# EDGAR Filing Document

**Accession Number:** 0001946154
**File Stem:** 0001999371-25-009350
**Filing Date:** 2025-7
**Character Count:** 3073362
**Document Hash:** f75e6ae90f038be8020a60c989e943dc
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-009350.hdr.sgml**: 20250717

**ACCESSION NUMBER**: 0001999371-25-009350

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

**PUBLIC DOCUMENT COUNT**: 64

**CONFORMED PERIOD OF REPORT**: 20250717

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

**FILED AS OF DATE**: 20250717

**DATE AS OF CHANGE**: 20250717

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06259
- **FILM NUMBER:** 251131857

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G**

**OF THE SECURITIES EXCHANGE ACT OF 1934**

**<u>EFMT DEPOSITOR LLC</u>**

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

---

| | |
|:---|:---|
| ☐ | Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________ |
|  | Date of Report (Date of earliest event reported) __________________ |
|  | Commission File Number of securitizer: __________________ |
|  | Central Index Key Number of securitizer:__________________ |

---

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

---

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

---

---

| | |
|:---|:---|
| ☒ | Rule 15Ga-2 under the Exchange Act (17 CPR 240.15Ga-2) |
|  | Central Index Key Number of depositor: 0001946154 |
|  | <u>EFMT 2025-NQM3</u> |
|  | (Exact name of issuing entity as specified in its charter) |
|  | Central Index Key Number of issuing entity (if applicable): |
|  | Central Index Key Number of underwriter (if applicable): ________________ |

---

<u>Robert A. Catarella, (203) 409-3596</u> <br> Name and telephone number, including area code, of the person to contact in connection with this filing

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

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

Not Applicable

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | EFMT DEPOSITOR LLC | EFMT DEPOSITOR LLC |
|  | By: Ellington Management GROUP,<br> L.L.C., as its manager | By: Ellington Management GROUP,<br> L.L.C., as its manager |
|  | /s/ Robert A. Catarella | /s/ Robert A. Catarella |
| Date: July 17, 2025 | Name: | Robert A. Catarella |
|  | Title: | Managing Director |

---

EXHIBIT INDEX

---

| | |
|:---|:---|
| [99.01](ex99-01.htm) | AMC Diligence, LLC ("**AMC**") Narrative |
| [99.02](ex99-02.htm) | AMC Rating Agency Grades Report |
| [99.03](ex99-03.htm) | AMC Exception Grades Report |
| [99.04](ex99-04.htm) | AMC Valuation Summary Report |
| [99.05](ex99-05.htm) | AMC Supplemental Data Report |
| [99.06](ex99-06.htm) | AMC Business Purpose Report |
| [99.07](ex99-07.htm) | AMC Data Compare Report |
| [99.08](ex99-08.htm) | Clarifii LLC ("**Clarifii**") Narrative |
| [99.09](ex99-09.htm) | Clarifii ATR or QM Report |
| [99.10](ex99-10.htm) | Clarifii Business Purpose Report |
| [99.11](ex99-11.htm) | Clarifii Data Compare Report |
| [99.12](ex99-12.htm) | Clarifii RA Grades Summary Report |
| [99.13](ex99-13.htm) | Clarifii RA Grades Detail Report |
| [99.14](ex99-14.htm) | Clarifii Supplemental Data Report |
| [99.15](ex99-15.htm) | Clarifii Valuation Report |
| [99.16](ex99-16.htm) | Digital Risk, LLC ("**Digital Risk**") Narrative |
| [99.17](ex99-17.htm) | Digital Risk Findings Summary Report |
| [99.18](ex99-18.htm) | Digital Risk Findings Exception Report |
| [99.19](ex99-19.htm) | Digital Risk Rating Agency Report |
| [99.20](ex99-20.htm) | Digital Risk Valuation Report |
| [99.21](ex99-21.htm) | Digital Risk Standard Summary Report |
| [99.22](ex99-22.htm) | Digital Risk Standard Report |
| [99.23](ex99-23.htm) | Digital Risk Supplemental Report |
| [99.24](ex99-24.htm) | Digital Risk Non-QM Supplemental Report |
| [99.25](ex99-25.htm) | Evolve Mortgage Services ("**Evolve**") Narrative |
| [99.26](ex99-26.htm) | Evolve Rating Agency Grades Report |
| [99.27](ex99-27.htm) | Evolve Exception Detail Report |
| [99.28](ex99-28.htm) | Evolve Valuation Report |
| [99.29](ex99-29.htm) | Evolve Data Compare Report |
| [99.30](ex99-30.htm) | Evolve QM ATR Data Report |
| [99.31](ex99-31.htm) | Evolve Business Purpose Report |
| [99.32](ex99-32.htm) | Opus Capital Markets Consultants, LLC ("**Opus**") Narrative |
| [99.33](ex99-33.htm) | Opus Standard Findings Detail Report |
| [99.34](ex99-34.htm) | Opus Rating Agency Grades Summary Report |
| [99.35](ex99-35.htm) | Opus ATR or QM Report |
| [99.36](ex99-36.htm) | Opus Supplemental Data Report |
| [99.37](ex99-37.htm) | Opus Business Purpose Report |
| [99.38](ex99-38.htm) | Opus Valuation Report |
| [99.39](ex99-39.htm) | Opus Data Compare Report |
| [99.40](ex99-40.htm) | Selene Diligence LLC ("**Selene**") Narrative |
| [99.41](ex99-41.htm) | Selene Rating Agency Summary Report |
| [99.42](ex99-42.htm) | Selene Standard Findings Report |
| [99.43](ex99-43.htm) | Selene Valuation Report |
| [99.44](ex99-44.htm) | Selene Supplemental Data Report |
| [99.45](ex99-45.htm) | Selene Business Purpose Report |
| [99.46](ex99-46.htm) | Selene Data Compare Report |
| [99.47](ex99-47.htm) | Selene MLS Report |

---

## Exhibit 99.01

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.01**

![](ex9901.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Ellington Management Group, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted in July 2025 on mortgage loans with origination dates from March 2022 through May 2025 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (20 loans) and the Business Purpose Scope (15 loans). The loans reviewed using the Credit and Compliance Scope and the Business Purpose Scope are referred to as the mortgage loans.

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

The initial population consisted of 35 mortgage loans.

The final population of the Review covered 35 mortgage loans totaling an aggregate original principal balance of approximately $20.415 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E.

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

AMC compared data fields on the tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. For the purposes of this disclosure, AMC's review only included fields that were included in a related data integrity review being performed by another vendor and did not include all fields that may have been available for data comparison at the time of original acquisition. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;Zip |

---

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

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

**<u>CREDIT REVIEW SCOPE</u>**

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

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![](ex9901.jpg)

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

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

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

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

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

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

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

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

If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were

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![](ex9901.jpg)

noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

▪ Reviewing
 and calculating that the DSCR and/or Property DTI conforms with applicable guidelines.

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

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![](ex9901.jpg)

---

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

---

**DATA COLLECTION**

AMC will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by AMC. All material discrepancies will be noted.

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

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

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

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

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![](ex9901.jpg)

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified

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income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) depending on the application date, defined in accordance with 1026.2(a)(3)(ii) and the loan designation provided on the subject loan, either:

---

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

---

---

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

---

---

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

---

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the

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appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

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

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

**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results

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![](ex9901.jpg)

set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued. SitusAMC also hereby disclaims any representation or warranty as to accuracy or completeness of the Report, the inclusion or omission of any facts or information, or as to its suitability, sufficiency or appropriateness for the purposes of the transaction parties or investors or the use of the Report in preparation of any other document in connection with the subject transaction.).

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading implications of the Credit, Compliance and Property/Valuation sections, 100.00% of the mortgage loans by number in the pool have a NRSRO grade of "A", or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;28 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Please note that fifteen (15) Business Purpose were not subjected to a compliance review and did not receive a compliance grade. One (1) mortgage loan reviewed by AMC has a Compliance grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;19 | &nbsp;&nbsp;95.00% |

---

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![](ex9901.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY** 

All thirty-five (35) mortgage loans reviewed by AMC have a Credit grade of "B" or higher and 80.00% of the mortgage loans by number have a Credit grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;28 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY** 

All thirty-five (35) mortgage loans reviewed by AMC have a Property grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**NRSRO Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***8*** |

---

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![](ex9901.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**8** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**9** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 35 mortgage loans reviewed, 10 unique mortgage loans had 14 different tape discrepancies across 7 data fields (some mortgage loans had more than one data delta). The largest variances were found on Appraised Value, Originator Loan Designation and Representative FICO.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;23 | &nbsp;&nbsp;13.04% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;3 | &nbsp;&nbsp;18 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;35 | &nbsp;&nbsp;5.71% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;35 | &nbsp;&nbsp;8.57% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**467** | &nbsp;&nbsp;**3.00%** | &nbsp;&nbsp;**35** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;29 | &nbsp;&nbsp;82.86% | &nbsp;&nbsp;$15550848.00 | &nbsp;&nbsp;76.17% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;6 | &nbsp;&nbsp;17.14% | &nbsp;&nbsp;$4864500.00 | &nbsp;&nbsp;23.83% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20415348.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |

---

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![](ex9901.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;1 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$20415348.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20415348.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;11 | &nbsp;&nbsp;31.43% | &nbsp;&nbsp;$5246150.00 | &nbsp;&nbsp;25.70% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;3 | &nbsp;&nbsp;8.57% | &nbsp;&nbsp;$1734360.00 | &nbsp;&nbsp;8.50% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;16 | &nbsp;&nbsp;45.71% | &nbsp;&nbsp;$8747288.00 | &nbsp;&nbsp;42.85% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;5 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;$4687550.00 | &nbsp;&nbsp;22.96% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20415348.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$20415348.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20415348.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;19 | &nbsp;&nbsp;54.29% | &nbsp;&nbsp;$11058950.00 | &nbsp;&nbsp;54.17% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;3 | &nbsp;&nbsp;8.57% | &nbsp;&nbsp;$1009650.00 | &nbsp;&nbsp;4.95% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.71% | &nbsp;&nbsp;$539000.00 | &nbsp;&nbsp;2.64% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;9 | &nbsp;&nbsp;25.71% | &nbsp;&nbsp;$7142748.00 | &nbsp;&nbsp;34.99% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.71% | &nbsp;&nbsp;$665000.00 | &nbsp;&nbsp;3.26% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20415348.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;17 | &nbsp;&nbsp;48.57% | &nbsp;&nbsp;$14192448.00 | &nbsp;&nbsp;69.52% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;18 | &nbsp;&nbsp;51.43% | &nbsp;&nbsp;$6222900.00 | &nbsp;&nbsp;30.48% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20415348.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.02

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.02**

**Rating Agency Grades**

**Run Date - 7/14/2025 3:09:47 PM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| xxx | 1611570 | xxx |  |  | C | C | A | C | A | A | A | A |  |
| xxx | 2020083 | xxx |  |  | C | A | A | C | A | A | A | A |  |
| xxx | 2020085 | xxx |  |  | A | C | A | C | A | A | A | A |  |
| xxx | 2020093 | xxx |  |  | B | A | A | B | B | A | A | B |  |
| xxx | 2020082 | xxx |  |  | B | A | A | B | B | A | A | B |  |
| xxx | 2020089 | xxx |  |  | A | A | A | A | A | A | A | A |  |
| xxx | 2036790 | xxx |  |  | C | A | A | C | B | A | A | B |  |
| xxx | 2026606 | xxx |  |  | A | A | A | A | A | A | A | A |  |
| xxx | 2026602 | xxx |  |  | A | A | A | A | A | A | A | A |  |
| xxx | 2036788 | xxx |  |  | C | C | A | C | A | A | A | A |  |
| xxx | 2036784 | xxx |  |  | A | B | A | B | A | A | A | A |  |
| xxx | 2026598 | xxx |  |  | B | A | A | B | B | A | A | B |  |
| xxx | 2026601 | xxx |  |  | A | A | A | A | A | A | A | A |  |
| xxx | 2036798 | xxx |  |  | C | A | A | C | A | A | A | A |  |
| xxx | 2026597 | xxx |  |  | D | B | A | D | A | A | A | A |  |
| xxx | 2036795 | xxx |  |  | C | B | A | C | A | A | A | A |  |
| xxx | 2036791 | xxx |  |  | D | C | A | D | A | A | A | A |  |
| xxx | 2036792 | xxx |  |  | A | C | A | C | A | A | A | A |  |
| xxx | 2036787 | xxx |  |  | B | C | A | C | B | B | A | B |  |
| xxx | 2036796 | xxx |  |  | A | C | A | C | A | A | A | A |  |
| xxx | 2026599 | xxx |  |  | D |  | A | D | B |  | A | B |  |
| xxx | 2026604 | xxx |  |  | A |  | A | A | A |  | A | A |  |
| xxx | 2036786 | xxx |  |  | A |  | A | A | A |  | A | A |  |
| xxx | 2026610 | xxx |  |  | A |  | A | A | A |  | A | A |  |
| xxx | 2026613 | xxx |  |  | A |  | A | A | A |  | A | A |  |
| xxx | 2026605 | xxx |  |  | C |  | A | C | A |  | A | A |  |
| xxx | 2026608 | xxx |  |  | A |  | C | C | A |  | A | A |  |
| xxx | 2026600 | xxx |  |  | A |  | A | A | A |  | A | A |  |
| xxx | 2026603 | xxx |  |  | A |  | A | A | A |  | A | A |  |
| xxx | 2026609 | xxx |  |  | C |  | A | C | A |  | A | A |  |
| xxx | 2026611 | xxx |  |  | A |  | A | A | A |  | A | A |  |
| xxx | 2026607 | xxx |  |  | C |  | D | D | A |  | A | A |  |
| xxx | 2026612 | xxx |  |  | A |  | A | A | A |  | A | A |  |
| xxx | 2036799 | xxx |  |  | A |  | A | A | A |  | A | A |  |
| xxx | 2036783 | xxx |  |  | C |  | A | C | B |  | A | B |  |

---

## Exhibit 99.03

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.03**

**Exception Grades**

**Run Date - 7/14/2025 3:09:47 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| xxx | 1611570 | xxx |  | 26214909 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [XXXX], prior to [XXXX]([XXXX]) business days from transaction date of [XXXX]. |  |  |  |  | Reviewer Comment (2022-04-21): cleared<br>Buyer Comment (2022-04-20): LOX and proof of delivery uploaded<br>Reviewer Comment (2022-04-14): Please provide the LOE sent to the borrower and proof of delivery of the revised Final CD. Exception remains<br>Buyer Comment (2022-04-13): Settlement statement and PCCD uploaded | 04/21/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | No |
| xxx | 1611570 | xxx |  | 26214906 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | The desk review was not provided. CU score is [XXXX] and [XXXX] is [XXXX] indicating the need for a secondary appraisal. |  |  |  | Reviewer Comment (2022-04-06): Received CDA, Exception cleared.<br>Buyer Comment (2022-04-04): CDA uploaded | 04/06/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxx | 1611570 | xxx |  | 26214913 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Insufficient primary housing history provided for the secondary financing. |  |  |  | Reviewer Comment (2022-04-15): Cleared<br>Buyer Comment (2022-04-15): This is an [XXXX] [XXXX] [XXXX], that per HUD • Standalone [XXXX] [XXXX]: Allows mortgage payment arrearages to be placed in a [XXXX]-interest subordinate lien against the property. The [XXXX] [XXXX] amount does not require payment until the last mortgage payment is made, the loan is refinanced, or the property is sold, whichever occurs first. The amount paid off at the closing and the amount on the title lien are an exact match.<br>Reviewer Comment (2022-04-14): Please provide the Original Note or Claim for the second lien, payoffs are always paid in one lump sum, this does not verify that there are no monthly payments required. Please provide the Note or the pay history for the loan from FHA. Exception remains.<br>Buyer Comment (2022-04-13): There is no payment history as this is an [XXXX] [XXXX] [XXXX] program payoff. Per the payoff letter, the [XXXX] [XXXX] [XXXX] Notes are non-interest bearing, so there is no per diem calculation and payment must be paid in one lump sum. Payoff uploaded<br>Reviewer Comment (2022-04-08): That account is for the [XXXX] mortgage not the [XXXX] mortgage.<br>Reviewer Comment (2022-04-08): CBR does not reflect the payment history for the [XXXX] lien in the amount of [XXXX]<br>Buyer Comment (2022-04-07): Please see credit report [XXXX] [XXXX] Loan transferred to another lender<br>Reviewer Comment (2022-04-06): The Housing History is still not provided for the borrower's primary housing history, this includes the payment History for Both the first mortgage, and the Second Mortgage with [XXXX]. The Second Mortgage was paid off at closing as commented, however there is only [XXXX] months of housing history provided for the borrower. Exception remains<br>Buyer Comment (2022-04-05): There is no payment history. The amount for the second line $[XXXX] is the same amount paid at the closing.<br>Reviewer Comment (2022-04-04): Documentation did not appear to upload. Please provide evidence of satisfactory pay history for secondary financing as reflected on Final 1003.<br>Buyer Comment (2022-03-31): Payment history uploaded | 04/15/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxx | 1611570 | xxx |  | 26214912 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [XXXX] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [XXXX] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[XXXX] exceeds tolerance of $[XXXX]. Insufficient or no cure was provided to the borrower. | Title Endorsement Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[XXXX], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-04-13): "[XXXX] received valid PCCD and final [XXXX] in order to clear this exception.<br>Buyer Comment (2022-04-13): PCCD uploaded<br>Reviewer Comment (2022-04-01): [XXXX] would request to provide an updated PCCD reflecting the title fees under Section [XXXX] in order to get them considered under [XXXX]% tolerance. Else, the title - endorsement fee would be considered under [XXXX]% tolerance by our system as it was not disclosed on last LE and directly added under Section [XXXX] of CD that too without an SSPL to support the tolerance section. Kindly provide the updated PCCD or cure for the same.<br>Buyer Comment (2022-03-31): Please see LOX regarding service provider list. Per regulation if a service provider list is not provided, the fee should be held at a [XXXX]% tolerance, not a [XXXX]% tolerance.<br>Reviewer Comment (2022-03-31): [XXXX] Please provide Settlement Service Provider List to evaluate the Tolerance Category. Exception Remains.<br>Buyer Comment (2022-03-30): Borrower shopped for title services. Title fees are in the unlimited bucket. | 04/13/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
| xxx | 2020083 | xxx |  | 33837317 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. |  | Flood insurance coverage amount is insufficient. Flood insurance coverage of $[XXXX] is insufficient to cover the loan amount of $[XXXX] and does not meet the maximum available coverage limit. |  |  |  | Reviewer Comment (2025-04-25): RCE provided<br>Buyer Comment (2025-04-22): Letter from flood insurance provider confirming replacement cost. | 04/25/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxx | 2020085 | xxx |  | 33837320 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [XXXX] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [XXXX] Percent Fee Tolerance exceeded for Loan Tie-In Fee. Fee Amount of $[XXXX] exceeds tolerance of $[XXXX]. Insufficient or no cure was provided to the borrower. | Fee tolerance violation due to the introduction of the Loan Tie-In Fee. The fee was first disclosed on the closing disclosure dated [XXXX] with no valid change of circumstance or cure provided. |  |  |  | Reviewer Comment (2025-04-28): [XXXX] received Post CD and LOX.<br>Buyer Comment (2025-04-24): See attached PCCD , LOE and proof of delivery<br>Reviewer Comment (2025-04-24): [XXXX] received rebuttal, however if loan tie in fee is a title fee, then fee should have been disclosed with title prefix or if fee was not required, it should be listed in section [XXXX] instead of section [XXXX]. Corrected CD and LOE required to remediate.<br>Buyer Comment (2025-04-23): This is a borrower shopped service that logan doesn't require. This fee in not subject to any tolerance. | 04/28/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxx | 2020093 | xxx |  | 33837323 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [XXXX] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [XXXX] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[XXXX] exceeds tolerance of $[XXXX]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-29): Sufficient Cure Provided At Closing |  | 04/29/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxx | 2020093 | xxx |  | 33837324 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [XXXX] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [XXXX] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[XXXX] exceeds tolerance of $[XXXX]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-29): Sufficient Cure Provided At Closing |  | 04/29/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxx | 2020093 | xxx |  | 33837326 |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Housing history reflects lates that do not meet guidelines. | - Housing history reflects a total of ___ reported late payments. | Paid [XXXX]X[XXXX]X[XXXX] vs max [XXXX]X[XXXX]X[XXXX] | Borrower has been employed in the same industry for more than [XXXX] years.<br>Borrower has verified disposable income of at least $[XXXX].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [XXXX] months. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-30): Lender exception approval in file |  |  | 04/30/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| xxx | 2020082 | xxx |  | 33837328 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Lender exception in file allowing less than the required [XXXX] months. | Borrower has been employed in the same industry for more than [XXXX] years.<br>Borrower has verified disposable income of at least $[XXXX].<br>Borrower has worked in the same position for more than [XXXX] years.<br>The representative FICO score exceeds the guideline minimum by at least [XXXX] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-02): Lender exception approval in file |  |  | 05/02/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| xxx | 2020082 | xxx |  | 33837333 |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within [XXXX] days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Lender guidelines require any hazard policy that expires within [XXXX] days of the Note to be paid at closing. There is no evidence on the CD and no paid invoice in file to verify a renewal policy was paid. |  |  |  | Reviewer Comment (2025-05-07): Lender acknowledges this is Grade [XXXX] and elects to waive<br>Buyer Comment (2025-05-06): Elect to waive and close out grade [XXXX] for HOI renewal. |  |  | 05/07/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| xxx | 2036790 | xxx |  | 33837341 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Within [XXXX] calendar days of closing |  |  |  | Reviewer Comment (2025-05-12): Already Worked.<br>Reviewer Comment (2025-05-12): Received<br>Buyer Comment (2025-05-08): attached | 05/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2036790 | xxx |  | 33837342 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing for XXXX [XXXX] | Borrower has been employed in the same industry for more than [XXXX] years.<br>Borrower has worked in the same position for more than [XXXX] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [XXXX]% and $[XXXX].<br>The representative FICO score exceeds the guideline minimum by at least [XXXX] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [XXXX] months. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-27): Lender request waive to grade [XXXX]<br>Reviewer Comment (2025-05-12): Received CPA letter for [XXXX] - this letter does not address [XXXX], exception remains<br>Buyer Comment (2025-05-08): attached |  |  | 05/27/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2036788 | xxx |  | 33837351 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [XXXX], prior to [XXXX] business days from transaction date of [XXXX]. |  |  |  |  | Reviewer Comment (2025-05-16): Received S.I. and PCCD<br>Buyer Comment (2025-05-14): Please see attached PCCD, LOE and proof of delivery | 05/16/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| xxx | 2036788 | xxx |  | 33837354 |  | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  | Security Instrument is not signed by the Borrower |  |  |  | Reviewer Comment (2025-05-16): Received<br>Buyer Comment (2025-05-14): See attached Deed of trust signed and notarized | 05/16/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxx | 2036788 | xxx |  | 33837353 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-05-16): Received<br>Buyer Comment (2025-05-14): See attached CTTC approval | 05/16/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxx | 2036788 | xxx |  | 33837350 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | Security Instrument is not signed or notarized. |  |  |  | Reviewer Comment (2025-05-16): Received S.I. and PCCD<br>Buyer Comment (2025-05-14): See corrected CD - PCCD in trailing docs. | 05/16/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxx | 2036784 | xxx |  | 33837355 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | Unable to determine compliance with Right To Receive a Copy of Appraisal due to missing information | Unified Business Disclosure inclusive of the 'Notice of Right to copy of Appraisal' is in loan file is missing. The [XXXX] Disclosure Tracking Details summary is also not found in the loan file. |  |  |  | Reviewer Comment (2025-05-19): Received internal tracking<br>Buyer Comment (2025-05-15): Providing [XXXX] Disclosure tracking details report confirming the Unified Business Purpose Disclosure was emailed to borrower same day as application date. | 05/19/2025 |  |  | 1 B A |  | FL | Investment | Refinance - Cash-out - Other | B A | N/A | Exempt from ATR | No |
| xxx | 2026598 | xxx |  | 33837363 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed borrower to qualify using [XXXX] months self employment bank [XXXX] guideline requirement of [XXXX] months. | Borrower has been employed in the same industry for more than [XXXX] years.<br>Borrower has verified disposable income of at least $[XXXX]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [XXXX]% and $[XXXX]<br>The qualifying DTI on the loan is at least [XXXX]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [XXXX] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-13): Lender exception approval in file |  |  | 05/13/2025 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| xxx | 2036798 | xxx |  | 33837372 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Lender guidelines require a VVOE for any wage income dated within [XXXX] calendar days of the Note. Only the borrower's WVOE was provided. |  |  |  | Reviewer Comment (2025-05-22): Received the Tax transcripts for [XXXX] years, the 4506C was in the file and the most recent paystub prior to closing was provided<br>Buyer Comment (2025-05-21): attached | 05/22/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2036798 | xxx |  | 33837373 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender guidelines require all borrowers to have [XXXX] tradelines reporting for [XXXX] months. The borrower a VOR and one tradeline (authorized user only) reported on the credit report which does not meet the lender requirement. |  |  |  | Reviewer Comment (2025-05-22): Received alternative credit documents for [XXXX] Auto and [XXXX] Tv<br>Reviewer Comment (2025-05-22): Received VOR, however loan does not meet Tradelines requirements with just the VOR<br>Buyer Comment (2025-05-21): attached | 05/22/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2026597 | xxx |  | 33837374 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | Unable to determine compliance with Right To Receive a Copy of Appraisal due to missing information | "Unified Business Disclosure inclusive of the 'Notice of Right to Copy of Appraisal' is in the loan file but evidence of receipt is missing. The Encompass Disclosure Tracking Details summary is also not found in the loan file" |  |  |  | Reviewer Comment (2025-05-22): Rec'd internal tracking<br>Buyer Comment (2025-05-21): [XXXX] Disclosure Tracking Details report confirms the Unified Business Purpose disclosure-that includes ECOA, was emailed to borrower with [XXXX] days of application. | 05/22/2025 |  |  | 1 B A |  | CA | Investment | Purchase | D A B | N/A | Exempt from ATR | No |
| xxx | 2026597 | xxx |  | 33837376 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2025-05-22): Received<br>Buyer Comment (2025-05-21): Purchase contract | 05/22/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D A B | N/A | Exempt from ATR | No |
| xxx | 2026597 | xxx |  | 33837377 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Provide Final, Commitment or Prelim |  |  |  | Reviewer Comment (2025-05-22): Received<br>Buyer Comment (2025-05-21): Title commitment | 05/22/2025 |  |  | 1 C A |  | CA | Investment | Purchase | D A B | N/A | Exempt from ATR | No |
| xxx | 2036795 | xxx |  | 33837383 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing CPA letter or Third Party Verification of Business |  |  |  | Reviewer Comment (2025-05-22): Received<br>Buyer Comment (2025-05-21): attached | 05/22/2025 |  |  | 1 C A |  | OR | Investment | Refinance - Cash-out - Other | C A B | N/A | Exempt from ATR | No |
| xxx | 2036795 | xxx |  | 33837382 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-05-22): Received<br>Buyer Comment (2025-05-21): ATTACHED | 05/22/2025 |  |  | 1 C A |  | OR | Investment | Refinance - Cash-out - Other | C A B | N/A | Exempt from ATR | No |
| xxx | 2036795 | xxx |  | 33837379 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | Unable to determine compliance with Right To Receive a Copy of Appraisal due to missing information | Unified Business Disclosure inclusive of the 'Notice of Right to Copy of Appraisal' is in the loan file, but evidence of receipt is missing. The Encompass Disclosure Tracking Details summary is also not found in the loan file. |  |  |  | Reviewer Comment (2025-05-22): Received internal tracking<br>Buyer Comment (2025-05-21): ATTACHED | 05/22/2025 |  |  | 1 B A |  | OR | Investment | Refinance - Cash-out - Other | C A B | N/A | Exempt from ATR | No |
| xxx | 2036795 | xxx |  | 33837381 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Provide Final Title, or Commitment/Prelim |  |  |  | Reviewer Comment (2025-05-22): Received<br>Buyer Comment (2025-05-21): ATTACHED | 05/22/2025 |  |  | 1 C A |  | OR | Investment | Refinance - Cash-out - Other | C A B | N/A | Exempt from ATR | No |
| xxx | 2036791 | xxx |  | 33837386 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [XXXX]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation failure due to QM failure. This exception will be cleared once all QM specific exception have been cured/cleared. |  |  |  | Reviewer Comment (2025-05-23): Received CR<br>Reviewer Comment (2025-05-23): Missing HOA for [XXXX], and Insurance Verification for [XXXX]<br>Buyer Comment (2025-05-21): Credit Report | 05/23/2025 |  |  | 1 B A C |  | UT | Primary | Purchase | Lender to provide updated ATR/QM status D C | Non QM | Non QM | Yes |
| xxx | 2036791 | xxx |  | 33837387 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank [XXXX]): Unable to verify debt obligations using reasonably reliable third-party records. | Missing Docs |  |  |  | Reviewer Comment (2025-05-23): Received CR<br>Buyer Comment (2025-05-21): Credit report | 05/23/2025 |  |  | 1 C A |  | UT | Primary | Purchase | D A C | Non QM | Non QM | No |
| xxx | 2036791 | xxx |  | 33837389 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [XXXX]): General Ability-to-Repay requirements not satisfied. | Loan Designation failure due to QM failure. This exception will be cleared once all QM specific exception have been cured/cleared. |  |  |  | Reviewer Comment (2025-05-23): Received CR | 05/23/2025 |  |  | 1 A |  | UT | Primary | Purchase | D A C | Non QM | Non QM | No |
| xxx | 2036791 | xxx |  | 33837390 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[XXXX] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[XXXX] exceeds tolerance of $-[XXXX]. Insufficient or no cure was provided to the borrower. | No cure was provided. |  |  |  | Reviewer Comment (2025-05-21): [XXXX] received a valid COC.<br>Buyer Comment (2025-05-21): The reduction in Lender Credit was a result of a loan amount reduction. Final loan amount $[XXXX]. The original loan amount which the lender credit was based on was $[XXXX]. Providing VCOC. | 05/21/2025 |  |  | 1 C A |  | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxx | 2036791 | xxx |  | 33837392 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | Reviewer Comment (2025-05-22): Received<br>Buyer Comment (2025-05-21): Credit Report | 05/22/2025 |  |  | 1 D A |  | UT | Primary | Purchase | D A C | Non QM | Non QM | No |
| xxx | 2036791 | xxx |  | 33837393 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-05-22): Received<br>Buyer Comment (2025-05-21): Hazard Policy and RCE | 05/22/2025 |  |  | 1 C A |  | UT | Primary | Purchase | D A C | Non QM | Non QM | No |
| xxx | 2036791 | xxx |  | 33837394 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2025-05-22): Received<br>Buyer Comment (2025-05-21): Purchase Agreement | 05/22/2025 |  |  | 1 D A |  | UT | Primary | Purchase | D A C | Non QM | Non QM | No |
| xxx | 2036791 | xxx |  | 33837396 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-05-27): Received<br>Buyer Comment (2025-05-23): HOA for[XXXX], thank you<br>Reviewer Comment (2025-05-23): Received [XXXX] for[XXXX], however the property is [XXXX] - exception remains<br>Reviewer Comment (2025-05-23): EXCEPTION HISTORY - Exception Detail was updated on [XXXX] PRIOR Exception Detail: Address: [XXXX], Address: [XXXX]<br> EXCEPTION HISTORY - Exception Explanation was updated on [XXXX] PRIOR Exception Explanation: HOA Verification<br> Insurance Verification<br>Buyer Comment (2025-05-23): HOI for [XXXX]<br>Buyer Comment (2025-05-23): Providing [XXXX] search confirming no HOA for home at[XXXX] and HOI for [XXXX]<br>Reviewer Comment (2025-05-23): EXCEPTION HISTORY - Exception Detail was updated on [XXXX]PRIOR Exception Detail: Address: [XXXX], Address: [XXXX], Address:[XXXX]<br>Reviewer Comment (2025-05-23): Missing HOA for [XXXX]t, and Insurance Verification for [XXXX]<br>Reviewer Comment (2025-05-23): EXCEPTION HISTORY - Exception Detail was updated on [XXXX] PRIOR Exception Detail: Address:[XXXX], Address: [XXXX] Address: [XXXX], Address:[XXXX] Address:[XXXX] Address: [XXXX]<br> EXCEPTION HISTORY - Exception Explanation was updated on[XXXX] PRIOR Exception Explanation: HOA Verification<br> HOA Verification<br> HOA Verification<br> HOA Verification, Insurance Verification, Tax Verification<br> HOA Verification, Insurance Verification, Tax Verification<br> HOA Verification, Insurance Verification, Tax Verification<br>Reviewer Comment (2025-05-22): EXCEPTION HISTORY - Exception Explanation was updated on [XXXX] PRIOR Exception Explanation: HOA Verification, Insurance Verification, Statement, Tax Verification<br> HOA Verification, Insurance Verification, Statement, Tax Verification<br> HOA Verification, Insurance Verification, Tax Verification<br> HOA Verification, Insurance Verification, Tax Verification<br> HOA Verification, Insurance Verification, Tax Verification<br> HOA Verification, Insurance Verification, Statement, Tax Verification<br>Buyer Comment (2025-05-21): REO docs | 05/27/2025 |  |  | 1 C A |  | UT | Primary | Purchase | D A C | Non QM | Non QM | No |
| xxx | 2036791 | xxx |  | 33837397 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Provide Final, Prelim or Commitment |  |  |  | Reviewer Comment (2025-05-22): Received<br>Buyer Comment (2025-05-21): Title Commitment | 05/22/2025 |  |  | 1 C A |  | UT | Primary | Purchase | D A C | Non QM | Non QM | No |
| xxx | 2036791 | xxx |  | 33837398 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Credit Report is missing. |  |  |  | Reviewer Comment (2025-05-22): Received<br>Buyer Comment (2025-05-21): Credit Report | 05/22/2025 |  |  | 1 C A |  | UT | Primary | Purchase | D A C | Non QM | Non QM | No |
| xxx | 2036792 | xxx |  | 33837401 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [XXXX] ([XXXX]) business days prior to closing. | Initial Closing Disclosure was not provided in file. |  |  |  | Reviewer Comment (2025-05-28): [XXXX] received [XXXX]CD, received [XXXX] business days prior to consummation.<br>Buyer Comment (2025-05-27): Initial CD signed [XXXX] days prior to closing<br>Buyer Comment (2025-05-27): Providing initial CD, received and signed by borrower on [XXXX], including Disclosure tracking | 05/28/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| xxx | 2036787 | xxx |  | 33837405 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [XXXX]([XXXX]) business days prior to closing. | The initial CD was sent to the borrower [XXXX] this is less than [XXXX] business days prior to closing. |  |  |  | Reviewer Comment (2025-05-30): [XXXX] received initial CD.<br>Buyer Comment (2025-05-29): Initial CD<br>Reviewer Comment (2025-05-29): [XXXX] received disclosure summary stating CD dated [XXXX]. However, the initial CD is missing from the file. Kindly provide initial CD dated [XXXX] as stated in disclosure summary.<br>Buyer Comment (2025-05-28): Borrower received the initial CD and e-signed this initial CD on [XXXX]- for closing disclosures receipt on [XXXX] is counted as day [XXXX], [XXXX]-day [XXXX], [XXXX]-day [XXXX] closed day [XXXX]on [XXXX]. | 05/30/2025 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| xxx | 2036787 | xxx |  | 33837409 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender allowed the 1099s in the business name and not having tax transcripts | Borrower has verified disposable income of at least $[XXXX].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [XXXX] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [XXXX]% and $,[XXXX].00.<br>The qualifying DTI on the loan is at least [XXXX]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [XXXX] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-27): Lender approved exception in file |  |  | 05/27/2025 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2036787 | xxx |  | 33837408 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [XXXX]): Creditor did not provide a copy of each valuation to applicant [XXXX] ([XXXX]) business days prior to consummation. | Appraisal Revision completed (Appraisal report date), less than [XXXX] business days from Note date. |  |  |  | Reviewer Comment (2025-05-28): Lender acknowledges this is Grade [XXXX] and elects to waive<br>Buyer Comment (2025-05-28): Elect to waive and close out this grade [XXXX] for appraisal delivery |  |  | 05/28/2025 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxx | 2036796 | xxx |  | 33837412 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [XXXX] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [XXXX] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[XXXX] exceeds tolerance of $[XXXX]. Insufficient or no cure was provided to the borrower. | No Cure Provided |  |  |  | Reviewer Comment (2025-06-05): [XXXX] Received Valid COC dated [XXXX].<br>Buyer Comment (2025-06-04): Please see attached [XXXX]. | 06/05/2025 |  |  | 1 C A |  | HI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxx | 2026599 | xxx |  | 33837427 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Please provide a copy of Credit Report for [XXXX]. |  |  |  | Reviewer Comment (2025-05-12): Received a Credit Report. Exception Cleared..<br>Buyer Comment (2025-05-08): ATTACHED | 05/12/2025 |  |  | 1 D A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxx | 2026599 | xxx |  | 33837428 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Lender guidelines require at minimum median FICO of [XXXX]. The credit report was not provided in file. |  |  |  | Reviewer Comment (2025-05-13): Received Credit Report | 05/13/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxx | 2026599 | xxx |  | 33837429 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception provided in file which allowed the change of business entity ownership after the initial application. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [XXXX] months. |  | SitusAMC | Reviewer Comment (2025-05-05): Lender provided exception in loan file and compensating factors. |  |  | 05/05/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxx | 2026605 | xxx |  | 33837434 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Provided hazard insurance has an effective date of [XXXX]. Verification the insurance was active at the time of closing is required. |  |  |  | Reviewer Comment (2025-05-19): Received<br>Buyer Comment (2025-05-15): please disregard the aka address letter<br>Buyer Comment (2025-05-15): attached | 05/19/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| xxx | 2026605 | xxx |  | 33837435 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Subject transaction does not meet the calculated cash due from the borrower. The guarantor's life insurance asset cannot be used to meet the cash to close requirement. An additional gift letter is in file for another $[XXXX], however, there is not a second source to verify the funds were transferred to the escrow agent or borrower. An additional asset account that is verified with the most recent [XXXX] months bank statements is required to meet the cash to close. |  |  |  | Reviewer Comment (2025-05-19): Received additional check<br>Buyer Comment (2025-05-15): attached | 05/19/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| xxx | 2026608 | xxx |  | 33837437 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  |  |  |  |  | Reviewer Comment (2025-05-20): Received<br>Buyer Comment (2025-05-19): CDA | 05/20/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxx | 2026609 | xxx |  | 33837443 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | [XXXX], N.A #[XXXX]missing [XXXX] months bank statements and ownership of account and [XXXX] Money market acct missing [XXXX] months statements |  |  |  | Reviewer Comment (2025-05-20): Located Wire<br>Buyer Comment (2025-05-19): Please see attached [XXXX] [XXXX] account just opened. [XXXX] doesn't have an account # [XXXX]on our application. Borrower should have sufficient assets with accounts listed on application and documented. | 05/20/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| xxx | 2026607 | xxx |  | 33837444 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [XXXX] |  | Please provide a Secondary Valuation as per securitization standards. - UCDP provided had no grades |  |  |  | Reviewer Comment (2025-05-21): Received<br>Buyer Comment (2025-05-20): See attached CDA. No Variance | 05/21/2025 |  |  | 1 D A |  | NY | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| xxx | 2026607 | xxx |  | 33837445 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing Rate Lock as needed to verify loan program |  |  |  | Reviewer Comment (2025-05-21): Received<br>Buyer Comment (2025-05-20): See attached Rate Lock Confirmation | 05/21/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| xxx | 2036783 | xxx |  | 33837447 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Lender guidelines require at least[XXXX] months of reserves. The account ending in [XXXX] was excluded due to the account being held a non-borrowing business entity. Proof the guarantor has ownership of this business is required for the asset to be allowable. - POC have been credited toward borrowers assets. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [XXXX]%.<br>The representative FICO score exceeds the guideline minimum by at least [XXXX] points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-02): Lender requests to waive with compensating factors to an EV2/grade B<br>Buyer Comment (2025-06-02): Can this please be waived to EV 2 and closed out. |  |  | 06/02/2025 | 2 C B |  | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |

---

## Exhibit 99.04

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.04**

**Valuation Report**

**Run Date - 7/14/2025 3:09:47 PM**

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| xxx | 1611570 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| xxx | 2020083 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| xxx | 2020085 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.30 |
| xxx | 2020093 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| xxx | 2020082 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2020089 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| xxx | 2036790 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| xxx | 2026606 | xxx |  |  |  |  |  |  | 12.694% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| xxx | 2026602 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2036788 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.30 |
| xxx | 2036784 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| xxx | 2026598 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| xxx | 2026601 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2036798 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.30 |
| xxx | 2026597 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| xxx | 2036795 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2036791 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.30 |
| xxx | 2036792 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxx | 2036787 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| xxx | 2036796 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2026599 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxx | 2026604 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| xxx | 2036786 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| xxx | 2026610 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| xxx | 2026613 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.50 |
| xxx | 2026605 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| xxx | 2026608 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| xxx | 2026600 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 2026603 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
| xxx | 2026609 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| xxx | 2026611 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| xxx | 2026607 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxx | 2026612 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.20 |
| xxx | 2036799 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| xxx | 2036783 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | xxx |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.05

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.05**

**Supplemental Data**

**Run Date - 7/14/2025 3:09:47 PM**

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** |
| xxx | 1611570 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | xxx | xxx |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2015 | [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 |  | 0 | 0 | 2 | 0 |  | 24 | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2020083 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | xxx | xxx |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | 12 | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2020085 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | xxx | xxx |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | 12 | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | Yes | Yes |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2020093 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  | [Borrower - \| Primary Income - Wages]; Other - 2025 [Borrower - \| Primary Income - Wages]; Paystubs - 2025 [Borrower - \| Primary Income - Wages]; Paystubs - 2025 [Borrower - \| Primary Income - Wages]; VVOE - 2025 [Borrower - \| Primary Income - Wages]; WVOE - 2025 [Borrower - \| Primary Income - Wages]; W-2 - 2024 [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - \| Non-Primary Income - Wages]; Other - 2025 [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025 [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025 [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024 [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 | [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 1 |  | 0 | 0 | 2 | 0 |  |  | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx |  | No | 15 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2020082 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 100.000% | xxx | xxx |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 | 12 | 12 | xxx | No |  |  |  |  |  |  |  |  | 240 | xxx | xxx |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2020089 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | xxx | xxx |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | 64.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2036790 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 24.000% | xxx | xxx |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025 [Borrower - \| Primary Income - Wages]; Paystubs - 2025 [Borrower - \| Primary Income - Wages]; VVOE - 2025 [Borrower - \| Primary Income - Wages]; VVOE - 2025 [Borrower - \| Primary Income - Wages]; WVOE - 2025 [Borrower - \| Primary Income - Wages]; W-2 - 2024 [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 19.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 19.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 19.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Account Statements - Personal - 2025 [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1099 - 2024 [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1099 Transcript - 2024 [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1099 Transcript - 2023 [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1099 Transcript - 2022 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 2 | 0 | 0 | 0 | 3 | 0 |  | 12 | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | 10.000% | No | 24 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2026606 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | xxx | xxx |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | xxx | No |  |  |  |  |  |  |  |  | 240 | xxx | xxx |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  | No | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2026602 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | xxx | xxx |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | 12 | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | 28.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2036788 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 2 |  | 1 | 0 | 2 | 1 |  |  | xxx | No |  |  |  |  |  |  |  |  | 240 | xxx | xxx |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  | No | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2036784 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Self-Employed | Non-Employment Income |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | No | Yes | 24 | Business | 92.000% | xxx | xxx |  | [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | xxx |  | No | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2026598 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | xxx | xxx |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | 12 | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | 19.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2026601 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | xxx | xxx |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 68.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 68.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 68.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 68.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | 12 | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | 22.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2036798 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 2 |  | 0 | 0 | 2 | 0 |  |  | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | 38.000% | No | 21 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2026597 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  | [Coborrower(s) - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxx | No |  |  |  |  |  |  |  |  | 240 | xxx | xxx | 35.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | xxx |  | No | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2036795 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040-ES - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040-ES - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 2 | 0 | 2 | 0 | 3 | 1 |  |  | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  | No | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2036791 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | xxx | xxx |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | 24 | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | 24.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | Yes | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2036792 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | xxx | xxx |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | 12 | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | Yes | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2036787 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 0 |  | 0 | 0 | 2 | 0 |  |  | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | 76.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2036796 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2022 | [Borrower]; Account Transcripts - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 2 | 0 | 0 | 0 | 1 |  |  | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | 66.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | xxx |  | No | No |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2026599 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxx | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxx | xxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  |  |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| xxx | 2026604 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxx | No | 1.26 | 0.8 |  |  |  |  |  |  |  | xxx | xxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  |  |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2036786 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxx | No | 1.06 | 0.95 |  |  |  |  |  |  |  | xxx | xxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  |  |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| xxx | 2026610 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxx | No | 1.05 | 0.95 |  |  |  |  |  |  | 240 | xxx | xxx | 5.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| xxx | 2026613 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxx | No | 1.03 | 0.97 |  |  |  |  |  |  | 240 | xxx | xxx | 60.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| xxx | 2026605 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxx | No | 1.03 | 0.97 |  |  |  |  |  |  | 240 | xxx | xxx | 2.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| xxx | 2026608 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxx | No | 1.47 | 0.68 |  |  |  |  |  |  |  | xxx | xxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V8 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  |  |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| xxx | 2026600 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | xxx | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxx | xxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  |  |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| xxx | 2026603 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | xxx | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxx | xxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  |  |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| xxx | 2026609 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | Yes | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxx | No | 1 | 1 |  |  |  |  |  |  | 240 | xxx | xxx | 12.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| xxx | 2026611 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | xxx | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxx | xxx | 30.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| xxx | 2026607 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxx | No | 1.48 | 0.67 |  |  |  |  |  |  |  | xxx | xxx |  | No |  |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  |  |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| xxx | 2026612 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | xxx | No | 0.85 | 1.18 |  |  |  |  |  |  |  | xxx | xxx | 34.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| xxx | 2036799 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | No | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxx | No | 1.16 | 0.86 |  |  |  |  |  |  |  | xxx | xxx | 10.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| xxx | 2036783 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | No | xxx |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | xxx | xxx |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxx | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxx | xxx |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  |  |  | xxx | xxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |

---

## Exhibit 99.06

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.06**

**ASF Addendum - Business Purpose**

**Run Date - 7/14/2025 3:09:49 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| xxx | 2036784 | xxx |  |  |  |  |  |  | Yes |  |  |  |  |  | xxx |  | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | xxx |  |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 | 3 |  |  |  | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |
| xxx | 2026597 | xxx |  |  |  |  |  |  | Yes |  |  |  |  |  | xxx |  | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  | xxx |  |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | Full Recourse | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 4-Stated/Verified as defined | Classic | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |
| xxx | 2036795 | xxx |  |  |  |  |  |  | Yes |  |  |  |  |  | xxx |  | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx |  | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  | xxx | US Citizen | US Citizen | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |
| xxx | 2026599 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | xxx |  |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |
| xxx | 2026604 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | xxx |  |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |
| xxx | 2036786 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  |  | Experienced Investor | xxx |  |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | Full Recourse | 5 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | xxx | xxx | Fair Isaac (VER. 2) | xxx | Beacon 5.0 | xxx | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |
| xxx | 2026610 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | xxx |  |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | Full Recourse | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |
| xxx | 2026613 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No | No | Experienced Investor | xxx | US Citizen | US Citizen | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |
| xxx | 2026605 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | 1 | 3 | No |  |  | Experienced Investor | xxx |  |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | Full Recourse | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |
| xxx | 2026608 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 1-Not Stated/Not Verified | No | 1 | 3 | No |  |  | Experienced Investor | xxx |  |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | Full Recourse | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V8 Facta | xxx | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |
| xxx | 2026600 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | xxx | US Citizen |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | xxx | xxx | Fair Isaac (VER. 2) | xxx | Beacon 5.0 | xxx | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |
| xxx | 2026603 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | xxx | US Citizen |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |
| xxx | 2026609 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | xxx |  |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | Full Recourse | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | xxx | xxx | Fair Isaac | xxx | Beacon 5.0 | xxx | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |
| xxx | 2026611 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | xxx | US Citizen |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |
| xxx | 2026607 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx | No | xxx | xxx |  | Long Term | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | xxx |  |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Corp | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | Full Recourse | 2 | Non-Permanent Resident Alien |  |  | Level 2-Stated/Not Verified |  |  | Classic | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |
| xxx | 2026612 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | xxx | US Citizen |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | xxx |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |
| xxx | 2036799 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx |  |  | No | xxx | xxx | xxx | Long Term | xxx | xxx |  | xxx | xxx |  |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | xxx |  |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | Full Recourse | 4 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |
| xxx | 2036783 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Multiple Sources | xxx |  | xxx | xxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | 24 | Long Term | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | 1 | 3 | No |  |  | Experienced Investor | xxx |  |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 3-Stated/Partially Verified | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | Full Recourse | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |

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## Exhibit 99.07

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.07**

**Data Compare (Non-Ignored)**

**Run Date - 7/14/2025 3:10:50 PM**

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| xxx | 1611570 | xxx |  |  | Margin | xxx | xxx | Verified | No field value |
| xxx | 1611570 | xxx |  |  | Contract Sales Price | xxx | xxx | Verified | No field value |
| xxx | 1611570 | xxx |  |  | Doc Type | xxx | xxx | Verified | Field Value reflects documentation located in origination file |
| xxx | 2026606 | xxx |  |  | Representative FICO | xxx | xxx | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxx | 2026606 | xxx |  |  | Appraised Value | xxx | xxx | Verified | Field Value captured from Valuation model in file |
| xxx | 2036784 | xxx |  |  | Originator Loan Designation | xxx | xxx | Verified | Field value reflects source document |
| xxx | 2026597 | xxx |  |  | Originator Loan Designation | xxx | xxx | Verified | Field value reflects source document |
| xxx | 2036795 | xxx |  |  | Originator Loan Designation | xxx | xxx | Verified | Field value reflects source document |
| xxx | 2036796 | xxx |  |  | Representative FICO | xxx | xxx | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxx | 2026613 | xxx |  |  | Appraised Value | xxx | xxx | Verified | Field Value captured from Valuation model in file |
| xxx | 2026607 | xxx |  |  | Property Type | xxx | xxx | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxx | 2026607 | xxx |  |  | Representative FICO | xxx | xxx | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxx | 2036799 | xxx |  |  | Appraised Value | xxx | xxx | Verified | Field Value captured from Valuation model in file |
| xxx | 2036783 | xxx |  |  | Property Type | xxx | xxx | Verified | Field Value captured from Appraisal or Valuation model in file |

---

## Exhibit 99.08

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.08**

![](ex9908001.jpg)

**EXECUTIVE SUMMARY**

**EFMT 2025-NQM3**

**By Clarifii LLC on July 11, 2025**

EFMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 1

![](ex9908001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 26 Loans (the "Loans") originated by a correspondent lender and acquired by Ellington Management Group, LLC (the "Client") for the EFMT 2025-NQM3 transaction. The Loans referenced in this narrative report were reviewed between 08/2024 to 06/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;2 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;$768750.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;13 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$12017500.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;2 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;$3273750.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;9 | &nbsp;&nbsp;34.62% | &nbsp;&nbsp;$4197240.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20257240.00** |

---

The Review consisted of a population of 26 Loans, with an aggregate principal balance of $20,257,240.00.

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

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

**LOAN SAMPLING**

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

EFMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 2

![](ex9908001.jpg)

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 26, 2023 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |

---

**DATA INTEGRITY**

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

---

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

---

EFMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 3

![](ex9908001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Race - Black or African American |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 2 Email or Internet |
| &nbsp;&nbsp;Borrower 2 Employer 1 Position |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Cuban |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Mexican |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Other Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Puerto Rican |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Marital Status |
| &nbsp;&nbsp;Borrower 2 Middle Name |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Race - White |
| &nbsp;&nbsp;Borrower 2 Rent or Own |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 2 Sex - Female |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Sex - Male |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Borrower 2 Telephone Interview |

---

EFMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 4

![](ex9908001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 2 Years in Current Home |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;Final Reviewed QM Status |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |

---

EFMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 5

![](ex9908001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Loan Amount |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Verified Doc Type |

---

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

EFMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 6

![](ex9908001.jpg)

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in Loan file

● **Fraud Review** 

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

– Borrower identity

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

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

– Occupancy

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

EFMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 7

![](ex9908001.jpg)

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

– Employment

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

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

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

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in Loan file

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

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

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

EFMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 8

![](ex9908001.jpg)

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

EFMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 9

![](ex9908001.jpg)

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

EFMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 10

![](ex9908001.jpg)

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

EFMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 11

![](ex9908001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

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**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** 

Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● **Uniform Standards of Professional Appraisal Practice (USPAP)** 

Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

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

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**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No** <br> **Hit** | &nbsp;&nbsp;**# of Files > -10%** <br> **Variance to OA or** <br> **Confidence < 80%** | &nbsp;&nbsp;**Number of Files** <br> **within -10% of OA<br> or Acceptable UCDP** <br> **Risk Score \*** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

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 assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the Loan is documented and reasonable.

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

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

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

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**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;14 | &nbsp;&nbsp;53.85% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;46.15% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;14 | &nbsp;&nbsp;53.85% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;46.15% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** |

---

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**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;6 | &nbsp;&nbsp;23.08% | &nbsp;&nbsp;$4256250.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;20 | &nbsp;&nbsp;76.92% | &nbsp;&nbsp;$16000990.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20257240.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;9 | &nbsp;&nbsp;34.62% | &nbsp;&nbsp;$9845250.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;11.54% | &nbsp;&nbsp;$4261500.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;14 | &nbsp;&nbsp;53.85% | &nbsp;&nbsp;$6150490.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20257240.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;12 | &nbsp;&nbsp;46.15% | &nbsp;&nbsp;$7343250.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;14 | &nbsp;&nbsp;53.85% | &nbsp;&nbsp;$12913990.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20257240.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$20257240.00 |

---

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20257240.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$20257240.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20257240.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With** <br> **Discrepancy** | &nbsp;&nbsp;**Total Times** <br> **Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;17 | &nbsp;&nbsp;82.35% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Cuban | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Mexican | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Other Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Puerto Rican | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |

---

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Black or African American | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Cuban | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Mexican | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Other Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Puerto Rican | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

EFMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 21

![](ex9908001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;17 | &nbsp;&nbsp;70.59% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;4 | &nbsp;&nbsp;17 | &nbsp;&nbsp;76.47% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;23 | &nbsp;&nbsp;95.65% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;96.15% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |

---

EFMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 22

![](ex9908001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;11 | &nbsp;&nbsp;72.73% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;17 | &nbsp;&nbsp;94.12% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Qualifying Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

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

 

EFMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 23

![](ex9908001.jpg)

*regarding the Loans from Loan originators and other third parties. Please be further advised that Clarifii and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clarifii do not constitute legal advice or opinions.*

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

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

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2025 Clarifii LLC. All rights reserved.

EFMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 24

## Exhibit 99.09

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.09**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 1923663 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 6461.5 | 10.806 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4010.47 | Yes | Employed |  | No |  | No |  |
| XXXX | 2013531 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | No | No | No | No | No | No | No | No | No | 9160 | 8.116 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38860.53 | Yes | Employed |  | No |  | No |  |
| XXXX | 2024328 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Not Tested | No | No | No | No | No | Yes | No | No | No | Not Tested | 36943 | 9.102 | Yes | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | 14375.18 | Yes | Employed |  | No |  | No |  |
| XXXX | 2024323 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 28781 | 8.134 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20624.95 | Yes | Employed |  | No |  | No |  |
| XXXX | 2024326 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2013522 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2013523 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2013521 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2024320 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2013699 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2013698 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7670 | 7.528 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 91614.91 | Yes | Employed |  | No |  | No |  |
| XXXX | 2013701 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 147103.86 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 2013700 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2013697 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 7.617 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 205495.16 | Yes | Employed |  | No |  | No |  |
| XXXX | 2020156 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 7.164 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 139433.49 | Yes | Employed |  | No |  | No |  |
| XXXX | 2020160 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 1590 | 8.416 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25377.09 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | 2020157 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3277.5 | 7.131 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5204.48 | Yes | Employed |  | No |  | No |  |
| XXXX | 2020158 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 7.789 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30002.71 | Yes | Employed |  | No |  | No |  |
| XXXX | 2020159 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 8.149 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 64977.97 | N/A | Employed |  | No |  | No |  |
| XXXX | 2033716 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 2031277 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14958.75 | 7.814 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 398313.53 | Yes | Employed |  | No |  | No |  |
| XXXX | 2033721 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2033718 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2033720 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2033719 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2033717 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.10

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | 2024326 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1800 | Appraisal - 1007 | No | 81.2 | 1.231 | 1.231 | 1461.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 1800 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 98.87 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2013522 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2700 | Appraisal - 1007 |  | N/A |  |  | 2700 | Appraisal - 1007 | No | 95.94 | 1.011 | 1.042 | 2590.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 46.44 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 2013523 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4500 | Appraisal - 1007 |  | N/A |  |  | 4500 | Appraisal - 1007 | No | 116.17 | 0.861 | 0.861 | 5227.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 4500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.66 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 2013521 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4800 | 4500 | Appraisal - 1007 |  | N/A |  |  | 4500 | Appraisal - 1007 | No | 67.96 | 1.472 | 1.472 | 3058.06 | 4800 | 05-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 4500 |  |  |  |  |  |  |  | No | 2.5 | 1 | 1 | N/A | 122.68 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 2024320 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2900 | Appraisal - 1007 | No | 65.62 | 1.524 | 1.524 | 1903 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2900 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 48.84 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 2013699 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6800 | Appraisal - 1025 |  | N/A |  |  | 6800 | Appraisal - 1025 | No | 86.15 | 1.16 | 1.161 | 5857.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 6800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 26.81 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2013701 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 4400 | Appraisal - 1007 |  | N/A |  |  | 4400 | Appraisal - 1007 | No | 97.57 |  | 0 | 4292.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 4400 |  |  |  |  |  |  |  | No | 0.6 | 3 | 1 | N/A | 92.14 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2013700 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 11500 | Appraisal - 1007 |  | N/A |  |  | 11500 | Appraisal - 1007 | No | 98.68 | 1 | 1.013 | 11347.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 11500 |  |  |  |  |  |  |  | No | 0 | 3 | 1 | N/A | 11.88 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2033716 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4400 | Appraisal - 1025 |  | N/A |  |  | 4400 | Appraisal - 1025 | No | 86.17 | 1.16 | 1.16 | 3791.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 4400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 39.02 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2033721 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5800 | 5800 | Appraisal - 1025 |  | N/A |  |  | 5800 | Appraisal - 1025 | No | 63.56 | 1.53 | 1.573 | 3686.19 | 2900 | 12-31-2026 | 12 | 2900 | 05-29-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 5800 |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 | N/A | 98.06 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2033718 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3600 | 3600 | Appraisal - 1007 |  | N/A |  |  | 3600 | Appraisal - 1007 | No | 89.93 | 1.11 | 1.112 | 3237.65 | 3600 | 07-31-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3600 |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | 110.64 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2033720 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3100 | 3100 | Appraisal - 1007 |  | N/A |  |  | 3100 | Appraisal - 1007 | No | 78.58 | 1.27 | 1.273 | 2435.96 | 3100 | 07-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3100 |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | 118.45 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2033719 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 90.26 | 1.1 | 1.108 | 2076.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 2300 |  |  |  |  |  |  |  | No | 0.8 | 10 | 1 | N/A | 105.02 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2033717 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2900 | Appraisal - 1007 | No | 93.02 | 1.07 | 1.075 | 2697.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2900 |  |  |  |  |  |  |  | No | 1 | 1 | 1 | N/A | 8642.36 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |

---

## Exhibit 99.11

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.11**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 1923663 | XXXX | XXXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXXX | XXXX | per final cd |
| XXXX | 1923663 | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 27.48 | 30.20 | Audit calulated lower front end expenses. |
| XXXX | 2013531 | XXXX | XXXX | Verified Doc Type | employmentIncomePage | 1YR Business P&L | VOE | Per income docs |
| XXXX | 2013531 | XXXX | XXXX | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.52 | 43.95 | Audit P&I higher, lender did not use correct note qualifying amount |
| XXXX | 2024328 | XXXX | XXXX | Occupancy | the1003Page | Second Home | Investment |  |
| XXXX | 2024328 | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 5.27 | 38.63 | Lender tape is debt ratio |
| XXXX | 2024323 | XXXX | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per appraisal |
| XXXX | 2013699 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 2013701 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 13 | 10 | Per the 1003 and docs in file. |
| XXXX | 2013700 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | per 1003/1008 |
| XXXX | 2013700 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | 2013697 | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | 2013697 | XXXX | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per Condo Questionnaire - 48% of project square footage is for hotel unit |
| XXXX | 2013697 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 4 | 1 | Per 1003 |
| XXXX | 2020159 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | 2031277 | XXXX | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | 2031277 | XXXX | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per Title |
| XXXX | 2033721 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | per loan program, no Tape Data avail |
| XXXX | 2033718 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | per 1003 |
| XXXX | 2033718 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 19 | 1 | Per 1003, Credit and Fraud report. |
| XXXX | 2033720 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 19 | 1 | Per 1003, Credit and Fraud report. |
| XXXX | 2033719 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | per 1003 |
| XXXX | 2033717 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per approval |

---

## Exhibit 99.12

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.12**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 1923663 | XXXX | XXXX C D A B |
| XXXX | 2013531 | XXXX | XXXX C B A |
| XXXX | 2024328 | XXXX | XXXX A C |
| XXXX | 2024323 | XXXX | XXXX D A |
| XXXX | 2024326 | XXXX | XXXX A |
| XXXX | 2013522 | XXXX | XXXX C A B |
| XXXX | 2013523 | XXXX | XXXX A |
| XXXX | 2013521 | XXXX | XXXX C A |
| XXXX | 2024320 | XXXX | XXXX A |
| XXXX | 2013699 | XXXX | XXXX D A |
| XXXX | 2013698 | XXXX | XXXX D A B |
| XXXX | 2013701 | XXXX | XXXX C A B |
| XXXX | 2013700 | XXXX | XXXX C A B |
| XXXX | 2013697 | XXXX | XXXX C A B |
| XXXX | 2020156 | XXXX | XXXX A |
| XXXX | 2020160 | XXXX | XXXX A |
| XXXX | 2020157 | XXXX | XXXX A |
| XXXX | 2020158 | XXXX | XXXX A |
| XXXX | 2020159 | XXXX | XXXX C A |
| XXXX | 2033716 | XXXX | XXXX A |
| XXXX | 2031277 | XXXX | XXXX D A C |
| XXXX | 2033721 | XXXX | XXXX C A B |
| XXXX | 2033718 | XXXX | XXXX C A B |
| XXXX | 2033720 | XXXX | XXXX C A B |
| XXXX | 2033719 | XXXX | XXXX C A B |
| XXXX | 2033717 | XXXX | XXXX C A B |

---

## Exhibit 99.13

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 1923663 | XXXX D B C A | Closed | FCOM5135 | 2024-08-27 15:19 | 2025-03-03 13:54 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/03/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/03/2025 | Long term residence - B1 residence 3 years.<br>Months Reserves exceed minimum required - B1 13 months reserves exceeds 6 month minimum. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 2263499 |
| XXXX | 1923663 | XXXX D B C A | Closed | FCRE1441 | 2024-08-30 14:52 | 2024-09-12 17:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Originator provided a waiver, applied to non material finding with comp factors - Due Diligence Vendor-09/12/2024 <br> Ready for Review-Document Uploaded. please find the exception - Seller-09/10/2024 <br> Counter-Borrower meets Bankruptcies guidelines, however the guidelines also state - Borrowers with multiple Bankruptcies are typically not eligible. Please provide an exception approval. - Due Diligence Vendor-09/06/2024 <br> Ready for Review-Disagree no credit exception is needed as this is not an ineligible borrower. Per our guidelines Bankruptcies are allowed so no exception to a guideline is necessary borrower meats the guidelines for the bankruptcy. Please clear findings. - Seller-09/05/2024 <br> Counter-Since multiple Bankruptcies and/or foreclosures are typically not eligible, an exception approval will be required. - Due Diligence Vendor-09/04/2024 <br> Ready for Review- Bankruptcies are allowed based on the XXXX guidelines. Please update findngs and clear. : Bankruptcy/Foreclosure <br> Program LTV – Must be seasoned more than 2 years<br>Must be settled with LTV reductions, less than 2 years maximum LTV is 85% and less than 1 year the maximum LTV is 75%.<br>Borrowers with multiple Bankruptcies and/or foreclosures are typically not eligible - Seller-09/03/2024 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Borrower has consecutive bankruptcies: CHP 13 filed XXXX discharged XXXX and and CHP 7 filed XXXX discharged XXXX. Borrowers with multiple Bankruptcies are typically not eligible. - Due Diligence Vendor-08/30/2024 | Ready for Review-Document Uploaded. please find the exception - Seller-09/10/2024 <br> Ready for Review-Disagree no credit exception is needed as this is not an ineligible borrower. Per our guidelines Bankruptcies are allowed so no exception to a guideline is necessary borrower meats the guidelines for the bankruptcy. Please clear findings. - Seller-09/05/2024 <br> Ready for Review- Bankruptcies are allowed based on the XXXX guidelines. Please update findngs and clear. : Bankruptcy/Foreclosure <br> Program LTV – Must be seasoned more than 2 years<br>Must be settled with LTV reductions, less than 2 years maximum LTV is 85% and less than 1 year the maximum LTV is 75%.<br>Borrowers with multiple Bankruptcies and/or foreclosures are typically not eligible - Seller-09/03/2024 | Waived-Originator provided a waiver, applied to non material finding with comp factors - Due Diligence Vendor-09/12/2024 | Long term residence - B1 residence 3 years.<br>Months Reserves exceed minimum required - B1 13 months reserves exceeds 6 month minimum. | 13.13 months reserves > 6 months minimum required<br> $4,010.47 Residual monthly income<br> Self Employed 10 years. | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | N/A | 2288196 |
| XXXX | 1923663 | XXXX D B C A | Closed | FCRE1440 | 2024-08-30 14:57 | 2024-09-09 14:26 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements, Living Rent Free LOE was provided. - Due Diligence Vendor-09/09/2024 <br> Ready for Review-Document Uploaded. Please find the Rent free LOE for the borrower. - Seller-09/05/2024 <br> Counter-Gift Deed provided (2/29/2024). Please provide rent free letter or payment history prior to 2/29/2024 as the borrower states on the 1003 they have lived in the subject for 3 years. - Due Diligence Vendor-09/04/2024 <br> Ready for Review-Document Uploaded. The borrower took ownership in 2/2024, so we are not going to have a 12 mos. housing history on the subject property. Please find the gift deed. - Seller-09/03/2024 <br> Open-Housing History Does Not Meet Guideline Requirements Missing full 12 months pay history on subject. Provided were only 03/2024-07/2024 statements - Due Diligence Vendor-08/30/2024 | Ready for Review-Document Uploaded. Please find the Rent free LOE for the borrower. - Seller-09/05/2024 <br> Ready for Review-Document Uploaded. The borrower took ownership in XXXX, so we are not going to have a 12 mos. housing history on the subject property. Please find the gift deed. - Seller-09/03/2024 | Resolved-Housing History Meets Guideline Requirements, Living Rent Free LOE was provided. - Due Diligence Vendor-09/09/2024 | Long term residence - B1 residence 3 years.<br>Months Reserves exceed minimum required - B1 13 months reserves exceeds 6 month minimum. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 2288255 |
| XXXX | 1923663 | XXXX D B C A | Closed | finding-710 | 2024-08-27 15:43 | 2024-09-04 11:44 | Resolved | 1 - Information C A | Compliance | State Reg | TX Constitution A6 Required Fees Test | Resolved-Received the undiscounted rate which confirmed discount points are excluded from TX A6 test. - Due Diligence Vendor-09/04/2024 <br>Ready for Review-Document Uploaded. Undiscounted rate was uploaded for review. please find attached. - Seller-09/03/2024 <br>Open-This loan failed the required fees test. (Texas Constitution, Article 16, Section 50 (a)(6)(E) & (t)(4), as amended Jan. 2018)The loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed 2% of the original principal amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a state registered or licensed surveyor;A state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law, or a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law.-----Total allowable fees $3180, actual fees $$4,371.56 an excess of $$1,191.56. Undiscounted rate missing from file. Please provide for further review. - Due Diligence Vendor-08/27/2024 | Ready for Review-Document Uploaded. Undiscounted rate was uploaded for review. please find attached. - Seller-09/03/2024 | Resolved-Received the undiscounted rate which confirmed discount points are excluded from XXXX test. - Due Diligence Vendor-09/04/2024 | Long term residence - B1 residence 3 years.<br>Months Reserves exceed minimum required - B1 13 months reserves exceeds 6 month minimum. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 2263762 |
| XXXX | 1923663 | XXXX D B C A | Closed | FCOM1290 | 2024-08-27 16:47 | 2024-09-04 11:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-Undiscounted Rate is Present - Due Diligence Vendor-09/04/2024 <br>Ready for Review-Document Uploaded. Undiscounted rate is 13.375 uploaded for review. - Seller-09/03/2024 <br>Open-Undiscounted Rate is Missing - This is the interest rate available to the borrower based on the borrower's particular credit profile and loan characteristics, before any discount points are applied. Unable to test QM points and fees properly. - Due Diligence Vendor-08/27/2024 | Ready for Review-Document Uploaded. Undiscounted rate is 13.375 uploaded for review. - Seller-09/03/2024 | Resolved-Undiscounted Rate is Present - Due Diligence Vendor-09/04/2024 | Long term residence - B1 residence 3 years.<br>Months Reserves exceed minimum required - B1 13 months reserves exceeds 6 month minimum. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 2264430 |
| XXXX | 2013531 | XXXX C B A | Closed | FCRE1198 | 2025-01-31 13:53 | 2025-01-31 15:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-01/31/2025 <br>Open-Audited Reserves of 11.62 month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-01/31/2025 |  | Waived-Originator waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-01/31/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 771; minimum 680.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $40K residual income. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3328647 |
| XXXX | 2013531 | XXXX C B A | Closed | FCOM5135 | 2025-01-30 10:48 | 2025-01-30 10:50 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-01/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-01/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 771; minimum 680.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $40K residual income. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3316518 |
| XXXX | 2024328 | XXXX C A | Closed | finding-3635 | 2025-02-19 13:31 | 2025-02-21 07:54 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received initial LE XXXX, & SPL XXXX. Finding resolved. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-uploaded to another condition - Seller-02/20/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,517.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ...Ten (10%) tolerance fees increased by $1,517 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,517, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX.[Likely fired due to missing Initial LE dated within 3 days of Application, unable to test fees properly]<br> - Due Diligence Vendor-02/19/2025 | Ready for Review-uploaded to another condition - Seller-02/20/2025 | Resolved-Received initial LE XXXX, & SPL XXXX. Finding resolved. - Due Diligence Vendor-02/21/2025 | Long term residence - Borrower has owned subject property since 2008, with 0X30 mortgage lates reporting since 2012.<br>Months Reserves exceed minimum required - Lender minimum reserves 3 m PITIA, borrower reserves 9.06m. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 3448430 |
| XXXX | 2024328 | XXXX C A | Closed | finding-3634 | 2025-02-19 13:31 | 2025-02-21 07:54 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received initial LE 1/22/2025, & SPL 1/22/2025. Finding resolved. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-uploaded to another condition - Seller-02/20/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $14,362.25.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ....Zero (0%) tolerance fees increased by $14,362.35 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $14,362.35, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX. [Likely fired due to missing Initial LE dated within 3 days of Application, unable to test fees properly]<br> - Due Diligence Vendor-02/19/2025 | Ready for Review-uploaded to another condition - Seller-02/20/2025 | Resolved-Received initial LE XXXX, & SPL XXXX. Finding resolved. - Due Diligence Vendor-02/21/2025 | Long term residence - Borrower has owned subject property since 2008, with 0X30 mortgage lates reporting since 2012.<br>Months Reserves exceed minimum required - Lender minimum reserves 3 m PITIA, borrower reserves 9.06m. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 3448424 |
| XXXX | 2024328 | XXXX C A | Closed | finding-3515 | 2025-02-19 13:31 | 2025-02-21 07:54 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received initial LE 1/22/2025, & SPL 1/22/2025. Finding resolved. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. see attached. - Seller-02/20/2025 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. -----Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. Statue of Limitations - 1 year, expiration date 02/07/2026. - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. see attached. - Seller-02/20/2025 | Resolved-Received initial LE XXXX, & SPL XXXX. Finding resolved. - Due Diligence Vendor-02/21/2025 | Long term residence - Borrower has owned subject property since 2008, with 0X30 mortgage lates reporting since 2012.<br>Months Reserves exceed minimum required - Lender minimum reserves 3 m PITIA, borrower reserves 9.06m. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 3448427 |
| XXXX | 2024323 | XXXX D A | Closed | FCRE1316 | 2025-03-17 16:54 | 2025-03-19 16:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE. - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. - Seller-03/17/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing File is missing VVOE for XXXX employment - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/17/2025 | Resolved-Received VVOE. - Due Diligence Vendor-03/19/2025 | Months Reserves exceed minimum required - 16.92 mos rsrvs; 6 mos required<br>Qualifying DTI below maximum allowed - DTI = 42.43% - Max DTI = 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3630608 |
| XXXX | 2024326 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2013522 | XXXX C B A | Closed | FCRE6844 | 2025-03-28 18:00 | 2025-03-31 13:32 | Waived | 2 - Non-Material C B | Credit | Assets | Gift Funds General | Waived-Gift fund with first time investor <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR affecting. - Due Diligence Vendor-03/31/2025 |  | Waived-Gift fund with first time investor <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR affecting. - Due Diligence Vendor-03/31/2025 | Credit history exceeds minimum required - Borrower has mortgage reporting for 36+ months, with no lates.<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 46m. | 1. Mtg: 36+m reported with no lates.<br> 2. Reserves: 6m required, subject 46m. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3724609 |
| XXXX | 2013523 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 2013521 | XXXX C A | Closed | FCRE1510 | 2025-04-01 09:13 | 2025-04-08 17:30 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Deeds must be signed in the presence of two witnesses and a notary public. There is not conveyance of ownership. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-The mortgage is not required to be signed by witnesses. Enclosed is the title agent's email with the explanation - Seller-04/08/2025 <br> Counter-County of XXXX requires 2 witnesses. Subject is located within XXXX. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-InXXXX, the legal requirements for executing real estate documents vary between mortgages and deeds. While deeds must be signed in the presence of two witnesses and a notary public, mortgages do not have this statutory requirement. This distinction is outlined in XXXX Statute §689.01, which mandates that instruments such as deeds conveying an interest in real property be executed with two subscribing witnesses. However, this statute does not extend this requirement to mortgages. - Seller-04/03/2025 <br> Open- Mortgage Deed is missing the required 2 witnesses for county in XXXX, (1 can be notary). - Due Diligence Vendor-04/01/2025 | Ready for Review-The mortgage is not required to be signed by witnesses. Enclosed is the title agent's email with the explanation - Seller-04/08/2025 <br> Ready for Review-In XXXX, the legal requirements for executing real estate documents vary between mortgages and deeds. While deeds must be signed in the presence of two witnesses and a notary public, mortgages do not have this statutory requirement. This distinction is outlined in Florida Statute §689.01, which mandates that instruments such as deeds conveying an interest in real property be executed with two subscribing witnesses. However, this statute does not extend this requirement to mortgages. - Seller-04/03/2025 | Resolved-Deeds must be signed in the presence of two witnesses and a notary public. There is not conveyance of ownership. - Due Diligence Vendor-04/08/2025 | LTV is less than guideline maximum - Lender max LTV is 80%, subject LTV is 65%.<br>DSCR % greater than 1.20 - Lender minimum DSCR .75, borrower DSCR 1.472. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3739778 |
| XXXX | 2024320 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 2013699 | XXXX D A | Closed | FCRE1164 | 2025-04-13 18:05 | 2025-04-23 16:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received flood insurance. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. FLOOD INSUR - Seller-04/22/2025 <br>Open-Missing Flood Insurance Policy - Due Diligence Vendor-04/13/2025 | Ready for Review-Document Uploaded. FLOOD INSUR - Seller-04/22/2025 | Resolved-Received flood insurance. - Due Diligence Vendor-04/23/2025 | Months Reserves exceed minimum required - 26 months exceeds 3 month minimum required <br>Qualifying FICO score is at least 20 points above minimum for program - 768 FICO score is 20+ points above 700 minimum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3851076 |
| XXXX | 2013699 | XXXX D A | Closed | FCRE1510 | 2025-04-10 11:59 | 2025-04-23 16:45 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. full mortgage with legal - Seller-04/22/2025 <br>Counter-Please provide the final recorded security instrument with legal attached. - Due Diligence Vendor-04/21/2025 <br>Ready for Review-we confirm that the legal description was recorded with the mortgage (not the title page that we mistakenly sent) - Seller-04/18/2025 <br>Counter-Please confirm recorded as page received reflects title information along with legal. - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. legal - Seller-04/16/2025 <br>Counter-Received page 1 of title commitment-provide legal description utilized in recording attached to security instrument. - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal description - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. full mortgage with legal - Seller-04/22/2025 <br>Ready for Review-we confirm that the legal description was recorded with the mortgage (not the title page that we mistakenly sent) - Seller-04/18/2025 <br>Ready for Review-Document Uploaded. legal - Seller-04/16/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025 | Resolved-Received complete security instrument. - Due Diligence Vendor-04/23/2025 | Months Reserves exceed minimum required - 26 months exceeds 3 month minimum required <br>Qualifying FICO score is at least 20 points above minimum for program - 768 FICO score is 20+ points above 700 minimum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3828812 |
| XXXX | 2013698 | XXXX D B A | Closed | FCRE4805 | 2025-04-16 16:00 | 2025-04-23 17:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Waived-Originator provided a waiver for POA applied to non material finding with comp factors - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. FM exception - Seller-04/23/2025 <br>Counter-POA must meet requirements as noted within guidelines page 26 - Due Diligence Vendor-04/22/2025 <br>Ready for Review-A POA does not have to have an expiration date. It is specific to our property address and may be used for that - Seller-04/21/2025 <br>Counter-Received POA-unable to locate expiration date of POA. - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. POAS - Seller-04/17/2025 <br>Open-Trust/POA Does Not Meet Guideline Requirements File is missing Fully Executed Power of Attorney for Borrower - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. XXXX exception - Seller-04/23/2025 <br> Ready for Review-A POA does not have to have an expiration date. It is specific to our property address and may be used for that - Seller-04/21/2025 <br> Ready for Review-Document Uploaded. POAS - Seller-04/17/2025 | Waived-Originator provided a waiver for POA applied to non material finding with comp factors - Due Diligence Vendor-04/23/2025 | LTV is less than guideline maximum - LTV = 80% - Max LTV = 85%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 725 Min FICO = 680 | Fico 20 pts or more above requirement; Total dti 10% or more under requirement; residual income $3k or more. | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 3883180 |
| XXXX | 2013698 | XXXX D B A | Closed | FCRE1510 | 2025-04-16 16:01 | 2025-04-18 14:32 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received POAs - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. POAS - Seller-04/17/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. File is missing Fully Executed Power of Attorney for Borrower and Non-Borrower - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. POAS - Seller-04/17/2025 | Resolved-Received POAs - Due Diligence Vendor-04/18/2025 | LTV is less than guideline maximum - LTV = 80% - Max LTV = 85%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 725 Min FICO = 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3883182 |
| XXXX | 2013698 | XXXX D B A | Closed | FCRE5782 | 2025-04-16 16:19 | 2025-04-18 14:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. GAP report - Seller-04/17/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing gap or UDM - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. GAP report - Seller-04/17/2025 | Resolved-Received Gap report. - Due Diligence Vendor-04/18/2025 | LTV is less than guideline maximum - LTV = 80% - Max LTV = 85%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 725 Min FICO = 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3883340 |
| XXXX | 2013701 | XXXX C B A | Closed | FCRE1253 | 2025-04-18 11:26 | 2025-04-23 17:02 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Received PITIA validations. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. enclosed is the doc you are referencing... page #1 of a first payment letter would not have the property address.... that is the borrowers MAILING address. Page #2 of the first payment letter shows the property address. Borrowers 1003 also shows that XXXX is his mailing address (has an office where mail goes and does not own this address) - Seller-04/23/2025 <br> Counter-XXXX First Payment Letter dated 3/18/2025 received-page 295 of package. Please validate and add to 1003 and 1008. (received PITIA for XXXX, XXXX and XXXX) - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. enclosed please find docs for XXXX, XXXX and XXXX. I do not see a property with the address of XXXX - Seller-04/21/2025 <br> Open-XXXX missing PITI<br> XXXX missing principle and interest payment and lease amount<br> XXXX missing PITI – Lender used the PITI for Connecticut as XXX XXX's PITI<br> XXXX to be added to the application and included in the DTI<br> Audit used Lender rent loss figures. DTI is not finalized and additional information and/or documentation may be required. <br>- Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. enclosed is the doc you are referencing... page #1 of a first payment letter would not have the property address.... that is the borrowers MAILING address. Page #2 of the first payment letter shows the property address. Borrowers 1003 also shows thatXXXX is his mailing address (has an office where mail goes and does not own this address) - Seller-04/23/2025 <br> Ready for Review-Document Uploaded. enclosed please find docs for XXXX, XXXX and XXXX. I do not see a property with the address of XXXX - Seller-04/21/2025 | Resolved-Received PITIA validations. - Due Diligence Vendor-04/23/2025 | Months Reserves exceed minimum required - 92 months available vs. 3 required<br>Qualifying DTI below maximum allowed - 22% vs. max DTI of 50% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3901790 |
| XXXX | 2013701 | XXXX C B A | Closed | FCRE0025 | 2025-04-18 12:18 | 2025-04-18 12:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower is party to a lawsuit according to the 1003 declaration | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material. Borrower has insurance to cover. - Due Diligence Vendor-04/18/2025 <br>Open-Borrower is party to a lawsuit according to the 1003 declarations. Per application. Borrower is a party to a lawsuit - Due Diligence Vendor-04/18/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material. Borrower has insurance to cover. - Due Diligence Vendor-04/18/2025 | Months Reserves exceed minimum required - 92 months available vs. 3 required<br>Qualifying DTI below maximum allowed - 22% vs. max DTI of 50% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3902521 |
| XXXX | 2013700 | XXXX C B A | Closed | FCRE3599 | 2025-04-24 15:49 | 2025-04-25 09:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non-material, borrower has excellent payment history. - Due Diligence Vendor-04/25/2025 <br> Open-Exception Approval in file – <br> 1. FM Exposure – Borrower has more than XXXX in loans with XXXX<br> - Due Diligence Vendor-04/24/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non-material, borrower has excellent payment history. - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 796 Min FICO = 700<br>LTV is less than guideline maximum - LTV = 75% - Max LTV = 80% | 1. Residual Income $3K or more<br> 2. Long Term Employment (> 5 Years)<br> 3. Long Term Homeownership (> 5 Years) |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3955701 |
| XXXX | 2013697 | XXXX C B A | Closed | FVAL5474 | 2025-04-29 14:11 | 2025-04-30 09:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Originator exception granted and acceptance by investor provided, waiver applied with comp factors. - Project not 100% complete per Condo Questionnaire - No date provided for when developer will transfer control of the HOA to the unit owners. -48% total square footage of project square footage is for hotel unit Pg 758 - Complete rehab/gut job in XXXX - XXXX owns more than 10% - Condo conversion - The project, or the subject's legal phase along with other phases, must be complete. All common elements in the project or legal phase must be 100% completed. At least 50% must be sold or under a bona-fide contract. Deemed non-material, subject unit is 100% complete and common areas have remaining cosmetic work and there is no health or safety concern. - Due Diligence Vendor-04/30/2025 <br> Open-Exception Approval in file – 1. Ineligible Project – Non-Warrantable Condo - Due Diligence Vendor-04/29/2025 |  | Waived-Originator exception granted and acceptance by investor provided, waiver applied with comp factors. - Project not 100% complete per Condo Questionnaire - No date provided for when developer will transfer control of the HOA to the unit owners. -48% total square footage of project square footage is for hotel unit Pg 758 - Complete rehab/gut job in XXXX - XXXX owns more than 10% - Condo conversion - The project, or the subject's legal phase along with other phases, must be complete. All common elements in the project or legal phase must be 100% completed. At least 50% must be sold or under a bona-fide contract. Deemed non-material, subject unit is 100% complete and common areas have remaining cosmetic work and there is no health or safety concern. - Due Diligence Vendor-04/30/2025 | On time mortgage history exceeds guideline requirement - On Time Mortgage History = 99 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 798 Min FICO = 680 | 798 FICO<br> 12 mos reserves |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | Originator Post-Close | Yes | 3995649 |
| XXXX | 2020156 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 2020160 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 2020157 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 2020158 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 2020159 | XXXX C A | Closed | FCRE7009 | 2025-05-12 10:50 | 2025-05-13 15:47 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Upon further review, there is 100% replacement cost. - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. insurance shows 100% replacement, which is sufficient - Seller-05/12/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Provide a RCE to support the Insufficient Coverage Amount value - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. insurance shows 100% replacement, which is sufficient - Seller-05/12/2025 | Resolved-Upon further review, there is 100% replacement cost. - Due Diligence Vendor-05/13/2025 | Months Reserves exceed minimum required - 79.48 months reserves exceed required 6 by 73.48 months.<br>Qualifying DTI below maximum allowed - DTI 29.28% is lower than allowable 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 4113116 |
| XXXX | 2033716 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 2031277 | XXXX D A C | Closed | FCRE9501 | 2025-05-23 08:00 | 2025-05-28 15:17 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received final settlement statement for sale of property. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. attached is the proceeds of sale... this is the same property (aka this address as its a corner property) as listed on the 1003 - Seller-05/23/2025 <br> Open-Total Qualified Assets Post-Close amount is 'XXXX'. Assets are Insufficient. Missing copy of the Final CD for REO 3a , to support the net proceeds in the amount of XXXX. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. attached is the proceeds of sale... this is the same property (aka this address as its a corner property) as listed on the 1003 - Seller-05/23/2025 | Resolved-Received final settlement statement for sale of property. - Due Diligence Vendor-05/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed dis 680.<br>LTV is less than guideline maximum - LTV is 75% and max allowed is 80%<br>Qualifying DTI below maximum allowed - DTI is 8.59% and max allowed is 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4225687 |
| XXXX | 2031277 | XXXX D A C | Closed | FCRE1198 | 2025-05-23 08:04 | 2025-05-28 15:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received final settlement statement for sale of property. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. proceeds of sale - Seller-05/23/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 9 month(s) . Missing copy of the Final CD for REO 3a , to support the net proceeds in the amount of XXXX. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. proceeds of sale - Seller-05/23/2025 | Resolved-Received final settlement statement for sale of property. - Due Diligence Vendor-05/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed dis 680.<br>LTV is less than guideline maximum - LTV is 75% and max allowed is 80%<br>Qualifying DTI below maximum allowed - DTI is 8.59% and max allowed is 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4225723 |
| XXXX | 2031277 | XXXX D A C | Closed | FCRE1316 | 2025-05-23 07:44 | 2025-05-28 15:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received good standing. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. self employment corp lookup 04/03 - Seller-05/23/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing copy of the VVOE. Verbal VOE should be dated within 10 business days of closing. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. self employment corp lookup XXXX - Seller-05/23/2025 | Resolved-Received good standing. - Due Diligence Vendor-05/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed dis 680.<br>LTV is less than guideline maximum - LTV is 75% and max allowed is 80%<br>Qualifying DTI below maximum allowed - DTI is 8.59% and max allowed is 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4225547 |
| XXXX | 2031277 | XXXX D A C | Closed | FCRE8013 | 2025-05-23 06:43 | 2025-05-28 15:12 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received complete purchase contract. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. full contract with terms - Seller-05/23/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing the Purchase Contract Addendum supporting the purchase price of XXXX and the EMD in the amount of XXXX. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. full contract with terms - Seller-05/23/2025 | Resolved-Received complete purchase contract. - Due Diligence Vendor-05/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed dis 680.<br>LTV is less than guideline maximum - LTV is 75% and max allowed is 80%<br>Qualifying DTI below maximum allowed - DTI is 8.59% and max allowed is 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4224962 |
| XXXX | 2031277 | XXXX D A C | Closed | FPRO0023 | 2025-05-23 06:46 | 2025-05-23 12:11 | Resolved | 1 - Information C A | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Resolved-2nd appraisal required and obtained. Loan closed using lower appraisal value. - Due Diligence Vendor-05/23/2025 <br> Open-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-20.78'. Please verify property appraisal data. Value of the appraisal is not supported. First appraisal dated XXX value of XXXX / Appraisal #2 dated XXXX value of XXXX. Though sales price is set to the 2nd value the 2nd value is a 20.78% difference in value. - Due Diligence Vendor-05/23/2025 |  | Resolved-2nd appraisal required and obtained. Loan closed using lower appraisal value. - Due Diligence Vendor-05/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed dis 680.<br>LTV is less than guideline maximum - LTV is 75% and max allowed is 80%<br>Qualifying DTI below maximum allowed - DTI is 8.59% and max allowed is 50% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4224986 |
| XXXX | 2033721 | XXXX C B A | Closed | FCRE8201 | 2025-06-06 15:54 | 2025-06-30 16:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--Exception approval granted and waiver applied to non-material finding as investor requires desk review firm used. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. please see the enclosed email chain we had with our target investor (XXXX) prior to closing the loans for this borrower... they accepted the litigation and also are the ones who REQUIRED the XXXX report - Seller-06/09/2025 <br> Open-The desk review was completed by XXXX; whom is not an approved vendor. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. please see the enclosed email chain we had with our target investor (XXXX) prior to closing the loans for this borrower... they accepted the litigation and also are the ones who REQUIRED the XXXX report - Seller-06/09/2025 | Waived--Exception approval granted and waiver applied to non-material finding as investor requires desk review firm used. - Due Diligence Vendor-06/10/2025 | Months Reserves exceed minimum required - 98.06 months reserves exceed required 3 by 95.06 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4366366 |
| XXXX | 2033721 | XXXX C B A | Closed | FCRE0025 | 2025-06-05 14:02 | 2025-06-30 16:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower is party to a lawsuit according to the 1003 declaration | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. please see the enclosed email chain we had with our target investor (XXXX) prior to closing the loans for this borrower... they accepted the litigation and also are the ones who REQUIRED the XXXX report - Seller-06/09/2025 <br> Counter-Received documentation already in the file and reviewed. Provide indemnification letter from Trust. Finding remains - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. loe re indemnification - Seller-06/05/2025 <br> Open-Provide indemnification letter from Trust. Exception in file and finding will be waived once indemnification letter received. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. please see the enclosed email chain we had with our target investor (XXXX) prior to closing the loans for this borrower... they accepted the litigation and also are the ones who REQUIRED the XXXX report - Seller-06/09/2025 <br> Ready for Review-Document Uploaded. loe re indemnification - Seller-06/05/2025 | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/10/2025 | Months Reserves exceed minimum required - 98.06 months reserves exceed required 3 by 95.06 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700 | FICO >20 points over req<br> Reserves 12+ months over req | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4349358 |
| XXXX | 2033721 | XXXX C B A | Closed | FCRE3599 | 2025-06-04 12:05 | 2025-06-05 14:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception for over XXXX loans/XXXXMil. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/05/2025 <br> Open-Lenders exception for the following loa XXXXns over XXXXmillion. Must document business indemnifying borrower and business has sufficient assets - Due Diligence Vendor-06/04/2025 |  | Waived-Originator exception for over XXXX loans/ XXXX Mil. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/05/2025 | Months Reserves exceed minimum required - 98.06 months reserves exceed required 3 by 95.06 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700 | FICO 20 points or more than requirement <br> Reserves 12+ months more than requirement |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4332381 |
| XXXX | 2033718 | XXXX C B A | Closed | FCRE4989 | 2025-06-05 15:05 | 2025-06-30 16:08 | Waived | 2 - Non-Material C B | Credit | Closing | Collections, liens or judgments not paid at closing | Waived-- Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. the enclosed email chain shows the target investor (XXXX) was aware of the litigation and is ok with this - Seller-06/09/2025 <br> Counter-LOE stating the business will indemnify the borrower, additional documentation will need to be required. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. LOE re indemnification - Seller-06/06/2025 <br> Open-Documentation in file supports a pending litigation judgment case against the borrower. Missing documentation supporting judgment released or satisfied. Lender exception required. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. the enclosed email chain shows the target investor (XXXX) was aware of the litigation and is ok with this - Seller-06/09/2025 <br> Ready for Review-Document Uploaded. LOE re indemnification - Seller-06/06/2025 | Waived-- Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/10/2025 | On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement of 0x30>than 36 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 742 and minimum allowed is 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4350481 |
| XXXX | 2033718 | XXXX C B A | Closed | FCRE8201 | 2025-06-05 14:57 | 2025-06-30 16:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator provided an Exception for over XXXX loans /$XXXXMM, applied to non material finding with comp factors. FM aggregate exposure to a single borrower and/or household shall not exceed XXXX in current unpaid principal balance (UPB) or XXXX (XXXX) loans. - Due Diligence Vendor-06/30/2025 <br> Open-Client provided an Exception for over XXXX loans /$XXXXMM, applied to non material finding with comp factors. FM aggregate exposure to a single borrower and/or household shall not exceed XXXX in current<br> unpaid principal balance (UPB) or XXXX (XXXX) loans.<br> - Due Diligence Vendor-06/05/2025 |  | Waived-Originator provided an Exception for over XXXX loans /$XXXXMM, applied to non material finding with comp factors. XXXX aggregate exposure to a single borrower and/or household shall not exceed XXXX in current unpaid principal balance (UPB) or XXXX (XXXX) loans. - Due Diligence Vendor-06/30/2025 | On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement of 0x30>than 36 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 742 and minimum allowed is 700 | -Score is 742 and minimum allowed is 700<br> - Reserves 12+months than required |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 4350359 |
| XXXX | 2033720 | XXXX C B A | Closed | FCRE1200 | 2025-06-06 07:56 | 2025-06-09 15:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted to allow loan amount. Non-material waiver applied to finding with compensating factors. Non-Material < $5k variance. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. loan amount exception - Seller-06/06/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX. Loan amounts under XXXX by exception only. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. loan amount exception - Seller-06/06/2025 | Waived-Originator exception granted to allow loan amount. Non-material waiver applied to finding with compensating factors. Non-Material < $5k variance. - Due Diligence Vendor-06/09/2025 | DSCR % greater than 1.20 - DSCR Is 1.273.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 742 and minimum allowed is 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4358164 |
| XXXX | 2033720 | XXXX C B A | Closed | FCRE8201 | 2025-06-06 07:59 | 2025-06-06 09:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/06/2025 <br> Open-Client provided an Exception for over XXXX loans /$XXXXMM, applied to non material finding with comp factors. XXXX aggregate exposure to a single borrower and/or household shall not exceed XXXX in current unpaid principal balance (UPB) or XXXX (XXXX) loans. - Due Diligence Vendor-06/06/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/06/2025 | DSCR % greater than 1.20 - DSCR Is 1.273.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 742 and minimum allowed is 700 | -Reserves 12+months than required<br> - Score is 742 and minimum allowed is 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4358191 |
| XXXX | 2033720 | XXXX C B A | Closed | FCRE0025 | 2025-06-06 09:05 | 2025-06-06 09:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower is party to a lawsuit according to the 1003 declaration | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as lender provided documentation to indemnify the borrower personally and provide documentation to verify sufficient business assets - Due Diligence Vendor-06/06/2025 <br>Open-Borrower is party to a lawsuit according to the 1003 declarations. Exception in file for lawsuit. Per terms of exception, must document business indemnifying borrower and business has sufficient assets - Due Diligence Vendor-06/06/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as lender provided documentation to indemnify the borrower personally and provide documentation to verify sufficient business assets - Due Diligence Vendor-06/06/2025 | DSCR % greater than 1.20 - DSCR Is 1.273.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 742 and minimum allowed is 700 | -FICO 20 points or more above requirement<br> - Reserves 12+ months more than requirement |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4358750 |
| XXXX | 2033719 | XXXX C B A | Closed | FCRE0025 | 2025-06-06 11:42 | 2025-06-30 16:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower is party to a lawsuit according to the 1003 declaration | Waived-Client provided waiver for non material finding with comp factors. File contains a an exception form the Lender . File contains letter from the attny supporting that business is indemnifying borrower and business has sufficient assets - Due Diligence Vendor-06/12/2025 <br>Open-Borrower is party to a lawsuit according to the 1003 declarations. File contains a an exception form the Lender . File contains letter from the attny supporting that business is indemnifying borrower and business has sufficient assets - Due Diligence Vendor-06/12/2025 |  | Waived-Client provided waiver for non material finding with comp factors. File contains a an exception form the Lender . File contains letter from the attny supporting that business is indemnifying borrower and business has sufficient assets - Due Diligence Vendor-06/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 742 Min FICO = 700<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 80 Months Required = 12 months | 1. FICO 20 points or more above requirement <br> 2. Reserves 12+ months more than requirement |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 4362166 |
| XXXX | 2033719 | XXXX C B A | Closed | FCRE3599 | 2025-06-06 11:48 | 2025-06-30 16:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Client waiver applied with comp facts - Due Diligence Vendor-06/12/2025 <br> Open-Exception Approval in file – <br> 1. Exposure – XXXX Loans/$XXXX MM<br> - Due Diligence Vendor-06/06/2025 |  | Waived-Client waiver applied with comp facts - Due Diligence Vendor-06/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 742 Min FICO = 700<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 80 Months Required = 12 months | 1. FICO 20 points or more above requirement <br> 2. Reserves 12+ months more than requirement |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 4362279 |
| XXXX | 2033719 | XXXX C B A | Closed | FCRE1200 | 2025-06-06 11:47 | 2025-06-11 17:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted to allow loan amount. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. loan amount exception - Seller-06/10/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Subject loan amount is XXXX is less than the minimum loan amount of XXXX. Loan amount not addressed on the exception form in the file. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. loan amount exception - Seller-06/10/2025 | Waived-Originator exception granted to allow loan amount. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 742 Min FICO = 700<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 80 Months Required = 12 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4362259 |
| XXXX | 2033717 | XXXX C B A | Closed | FCRE0025 | 2025-06-06 12:54 | 2025-06-30 16:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower is party to a lawsuit according to the 1003 declaration | Waived-Originator exception granted B1 / B1 business part y lawsuit, Non-material waiver applied with comp factors. non-material due to B1 assets can pay off lawsuit worst case scenario. Attorney letter provided in the loan file. - Due Diligence Vendor-06/30/2025 <br> Open-Borrower is party to a lawsuit according to the 1003 declarations. Borrower is named as a defendant in an pending litigation matter. XXXX for the XXXX, XXXX, XXXX v. XXXX, et al., Case No. XXXX Case Involves the activities of borrower business. Borrower lawyers have explained to borrower. The borrower is named as a defendant as a formality. Per attorney letter B1q could be held responsible XXXX million plus interest. - Due Diligence Vendor-06/09/2025 |  | Waived-Originator exception granted B1 / B1 business part y lawsuit, Non-material waiver applied with comp factors. non-material due to B1 assets can pay off lawsuit worst case scenario. Attorney letter provided in the loan file. - Due Diligence Vendor-06/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 742; guidelines require 700. <br>Long term residence - 5 Years. <br>Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 8642 months | FICO 20 points more than guideline requirement.<br> Reserves 12+ months.<br> Long term homeownership >5 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 4363142 |
| XXXX | 2033717 | XXXX C B A | Closed | FCRE3599 | 2025-06-09 16:30 | 2025-06-09 17:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted to allow financed properties exceeding lender guidelines , Non-material waiver applied with comp factors. non-material due to B1 has ample reserves to pay off loan in full. - Due Diligence Vendor-06/30/2025 <br> Open-Lender exception provided for over 1XXXX oans / XXXXmillion. - Due Diligence Vendor-06/09/2025 |  | Waived-Originator exception granted to allow financed properties exceeding lender guidelines , Non-material waiver applied with comp factors. non-material due to B1 has ample reserves to pay off loan in full. - Due Diligence Vendor-06/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 742; guidelines require 700. <br>Long term residence - 5 Years. <br>Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 8642 months | FICO 20 points more than guideline requirement.<br> Reserves 12+ months.<br> Long term homeownership >5 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4386659 |

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## Exhibit 99.14

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.14**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 1923663 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/03/2024 | 5 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6461.5 | 06/24/2024 | 6.860% | Manual Underwriting | Manual Underwriting | No | 10.806% |  | 10.500% |  | $1454.44 | No |  | $5145.00 | $428.75 | $3053.04 | $254.42 | $0.00 | $0.00 | $0.00 | $2137.61 | $4010.47 | N/A |  |  | $0.00 |  |  | 0.00% | 48.45% | 48.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 | 0 | 1 Month NA | N/A | 0 | N/A | 0 | 1 | 1 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 6 | CPA | N/A | N/A | 0 | Yes | 60 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Wage - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2023 - 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified - 2023 - 2023 | XXXX | XXXX | XX | XXXX | XXXX | 06/10/2024 | 06/10/2024 |  |  |  | 649 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 28075.60 | 13.1 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2013531 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/09/2024 | 7 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 9160 | 12/30/2024 | 7.180% |  |  | No | 8.116% |  | 8.500% |  | $20529.99 | No |  | $38946.48 | $3245.54 | $4208.16 | $350.68 | $0.00 | $0.00 | $0.00 | $24126.21 | $38860.53 | N/A |  |  | $0.00 |  |  | 0.00% | 43.74% | 46.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 10/16/2024 | 10/16/2024 |  |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 280421.24 | 11.6 | No | 64.96 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2024328 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 36943 | 01/27/2025 | 6.930% |  |  | No | 0.000% |  | 8.875% |  | $5537.69 | No |  | $7583.40 | $631.95 | $872.16 | $72.68 | $0.00 | $0.00 | $0.00 | $6242.32 | $14375.18 | N/A |  |  | $0.00 |  |  | 0.00% | 38.26% | 38.26% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/17/2025 | 01/17/2025 |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 56569.25 | 9.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2024323 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/27/2024 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 28781 | 01/27/2025 | 6.930% |  |  | No | 8.134% |  | 7.875% |  | $9389.65 | No |  | $18904.56 | $1575.38 | $2766.84 | $230.57 | $33600.00 | $2800.00 | $0.00 | $13995.60 | $20624.95 | Yes | XXXX | XXXX | $2800.00 | 04/01/2025 | Monthly | 0.00% | 42.43% | 42.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | 1 Month | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 55.41% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - Wage, SESoleProprietor - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/10/2025 | 01/10/2025 |  |  |  | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 236749.12 | 16.9 | No | 70 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2024326 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/02/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $1077.95 | Yes | 18.000% | $3450.00 | $287.50 | $1154.88 | $96.24 | $0.00 | $0.00 | $0.00 | $1461.69 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.231 | 1.231 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 02/07/2025 | 02/07/2025 |  |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien | XXXX | Employment Authorization Card |  | XXXX | XXXX | XXXX |  |  | Employment Authorization Document (I-821D) |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 144517.92 | 98.9 | No | 69.57 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2013522 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | $2069.09 | No |  | $4876.20 | $406.35 | $1379.04 | $114.92 | $0.00 | $0.00 | $0.00 | $2590.36 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.042 | 1.011 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 02/26/2025 | 02/26/2025 |  |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | 120302.08 | 46.4 | 120302.08 | 46.4 | No | 72.33 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2013523 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | $4044.53 | No |  | $10773.72 | $897.81 | $3425.04 | $285.42 | $0.00 | $0.00 | $0.00 | $5227.76 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.861 | 0.861 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 02/24/2025 | 02/24/2025 |  |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34839.09 | 6.7 | 34839.09 | 6.7 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2013521 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | $2529.53 | No |  | $4642.56 | $386.88 | $1699.80 | $141.65 | $0.00 | $0.00 | $0.00 | $3058.06 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.472 | 1.472 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/10/2025 | 03/10/2025 |  |  |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 375175.95 | 122.7 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2024320 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/02/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $1261.96 | Yes | 18.000% | $4949.88 | $412.49 | $1230.60 | $102.55 | $1512.00 | $126.00 | $0.00 | $1903.00 |  | N/A | XXXX | XXXX | $126.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.524 | 1.524 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 02/11/2025 | 02/11/2025 |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | XXXX | Real ID Driver's License |  | XXXX | XXXX | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 92951.96 | 48.8 | 92951.96 | 48.8 | No | 56.06 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2013699 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | $4246.76 | No |  | $15135.36 | $1261.28 | $4198.08 | $349.84 | $0.00 | $0.00 | $0.00 | $5857.88 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.161 | 1.16 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 02/19/2025 | 02/19/2025 |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 157032.08 | 26.8 | 157032.08 | 26.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2013698 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7670 | 03/24/2025 | 6.660% |  |  | No | 7.528% |  | 7.375% |  | $4199.30 | No |  | $14531.52 | $1210.96 | $2669.88 | $222.49 | $0.00 | $0.00 | $0.00 | $5632.75 | $91614.91 | N/A |  |  | $0.00 |  |  | 0.00% | 7.53% | 7.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/26/2025 | 03/26/2025 |  |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 56485.72 | 10 | 56485.72 | 10 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2013701 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.125% |  | $3148.76 | No |  | $11449.92 | $954.16 | $2280.00 | $190.00 | $0.00 | $0.00 | $0.00 | $4292.92 | $147103.86 | N/A |  |  | $0.00 |  |  | 0.00% | 20.50% | 20.50% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 324 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 03/07/2025 | 03/07/2025 |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | 28218.30 | 6.6 | 395558.15 | 92.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2013700 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.625% |  | $10484.77 | No |  | $5137.56 | $428.13 | $5217.72 | $434.81 | $0.00 | $0.00 | $0.00 | $11347.71 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.013 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 12/31/2024 | 12/31/2024 |  |  |  | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 134846.48 | 11.9 | 134846.48 | 11.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2013697 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 02/17/2025 | 6.880% |  |  | No | 7.617% |  | 7.500% |  | $17043.35 | No |  | $34258.92 | $2854.91 | $5388.96 | $449.08 | $60000.00 | $5000.00 | $0.00 | $25347.34 | $205495.16 | Yes | XXXX | XXXX | $5000.00 |  | Monthly | 0.00% | 29.95% | 29.95% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 1 Month | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 3 | Borrower |  |  |  |  | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), null CPA Letter Verified, YTD Profit And Loss Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/19/2025 | 02/19/2025 |  |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1860598.53 | 73.4 | 1860598.53 | 73.4 | No | 75 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 2020156 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 04/21/2025 | 6.810% |  |  | No | 7.164% |  | 7.125% |  | $4379.17 | No |  | $34851.96 | $2904.33 | $6285.00 | $523.75 | $7500.00 | $625.00 | $0.00 | $8432.25 | $139433.49 | N/A | XXXX | XXXX | $625.00 |  | Monthly | 0.00% | 6.41% | 6.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 84 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/20/2025 | 03/20/2025 |  |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 64719.92 | 7.7 | 64719.92 | 7.7 | No | 37.3 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2020160 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 1590 | 03/31/2025 | 6.650% |  |  | No | 8.416% |  | 8.375% |  | $4347.61 | No |  | $9883.92 | $823.66 | $2420.04 | $201.67 | $0.00 | $0.00 | $0.00 | $5372.94 | $25377.09 | N/A |  |  | $0.00 |  |  | 0.00% | 47.52% | 47.52% | No | Yes |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 12 | 0 | 96.15% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower \|\| Co Borrower - SESoleProprietor, Retirement, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/17/2025 | 03/17/2025 | 04/07/2025 |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 27770.82 | 5.2 | 27770.82 | 5.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2020157 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3277.5 | 04/21/2025 | 6.810% |  |  | No | 7.131% |  | 7.000% |  | $2245.40 | No |  | $6343.56 | $528.63 | $6608.76 | $550.73 | $2340.00 | $195.00 | $0.00 | $3519.76 | $5204.48 | N/A | XXXX | XXXX | $195.00 |  | Monthly | 0.00% | 42.46% | 42.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | Yes | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/02/2025 | 04/02/2025 |  |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 139490.43 | 39.6 | 139490.43 | 39.6 | No | 50 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2020158 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 04/21/2025 | 6.810% |  |  | No | 7.789% |  | 7.750% |  | $6304.43 | No |  | $20429.40 | $1702.45 | $3854.04 | $321.17 | $0.00 | $0.00 | $0.00 | $8328.05 | $30002.71 | N/A |  |  | $0.00 |  |  | 0.00% | 27.61% | 27.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/26/2025 | 02/26/2025 |  |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 485065.63 | 58.2 | 485065.63 | 58.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2020159 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 04/21/2025 | 6.810% |  |  | No | 8.149% |  | 8.125% |  | $8375.37 | No |  | $15093.36 | $1257.78 | $2176.08 | $181.34 | $0.00 | $0.00 | $0.00 | $9814.49 | $64977.97 | N/A |  |  | $0.00 |  |  | 0.00% | 29.28% | 29.28% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/13/2025 | 03/13/2025 |  |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 780041.56 | 79.5 | 780041.56 | 79.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2033716 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | Yes | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | $3158.53 | No |  | $5433.00 | $452.75 | $2162.76 | $180.23 | $0.00 | $0.00 | $0.00 | $3791.51 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.16 | 1.16 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/17/2025 | 04/17/2025 | 04/17/2025 |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 147931.41 | 39 | 147931.41 | 39 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | 2031277 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 14958.75 | 03/24/2025 | 6.660% |  |  | No | 7.814% |  | 7.750% |  | $19155.07 | No |  | $104683.20 | $8723.60 | $384.00 | $32.00 | $58368.00 | $4864.00 | $0.00 | $32774.67 | $398313.53 | Yes | XXXX | XXXX | $4864.00 |  | Monthly | 0.00% | 8.59% | 8.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | Yes | 35 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 03/11/2025 | 03/11/2025 |  |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 505243.88 | 15.4 | 505243.88 | 15.4 | No | 75 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2033721 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | $2590.03 | No |  | $11754.12 | $979.51 | $1399.80 | $116.65 | $0.00 | $0.00 | $0.00 | $3686.19 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.573 | 1.53 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/06/2025 | 03/06/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 361471.81 | 98.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2033718 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | $2538.23 | No |  | $5336.52 | $444.71 | $3056.52 | $254.71 | $0.00 | $0.00 | $0.00 | $3237.65 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.112 | 1.11 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/06/2025 | 03/06/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 358212.59 | 110.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2033720 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $2020.95 | No |  | $4154.64 | $346.22 | $825.48 | $68.79 | $0.00 | $0.00 | $0.00 | $2435.96 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.273 | 1.27 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/06/2025 | 03/06/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | 288533.74 | 118.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2033719 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | $1554.02 | No |  | $3592.80 | $299.40 | $2671.80 | $222.65 | $0.00 | $0.00 | $0.00 | $2076.07 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.108 | 1.1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/06/2025 | 03/06/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 218038.08 | 105 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2033717 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | $2227.43 | No |  | $4635.00 | $386.25 | $1008.00 | $84.00 | $0.00 | $0.00 | $0.00 | $2697.68 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.075 | 1.07 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/06/2025 | 03/06/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 23314330.57 | 8642.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.15

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.15**

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 1923663 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 2013531 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.96 | 64.96 | XXXX | XXXX | .0341 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0341 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024328 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024323 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024326 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.57 | 69.57 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 2013522 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 72.33 | 72.33 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013523 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013521 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024320 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 56.06 | 56.06 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013699 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX | 2013698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 1 | XXXX |
| XXXX | 2013701 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 2013700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | 2013697 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | 1073 Individual Condo Report |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020156 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 37.3 | 37.3 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 2020160 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 2020157 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 2020158 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible | 2.7 | XXXX |
| XXXX | 2020159 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031277 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.2078 | 1073 Individual Condo Report |  |  |  |  | XXXX | XXXX | -.2078 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 2033721 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0120 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0120 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033718 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2033720 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2033719 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 2033717 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.16

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

 **Exhibit 99.16**

![](ex9916001.jpg)

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, Ellington Management Group, LLC ("Client"). The review included a total of 378 newly originated residential mortgage loan, in connection with the securitization identified as EFMT 2025-NQM3 (the "Securitization"). The review began on June 1, 2023 and concluded on July 10, 2025.

**Scope of Review**

**DUE DILIGENCE REVIEWS – DSCR Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;**A.** **CREDIT REVIEW** **.** 

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is Complete,
 Signed, Dated, on or before loan consummation date,

2. <u>Review Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting
 decision is supported (manual underwrite credit conditions
 have been satisfied prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of DSCR or qualification method and LTV calculations

3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Occupancy
 Red Flags adequately addressed

4. <u>Verification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's
 investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Acceptable
 credit history and credit score requirements in conformance with Goldman's guidelines.

5. <u>Order and Reviews Risk IQ Report (if requested)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Identifies
 bankruptcy filings with the Borrower(s) name.

6. <u>Verification of Borrower Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. lease
 agreement or market survey for rental income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Validate
 borrowers monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate
 DSCR Calculation of rent per lease or comparable rent schedule from appraisal divided
 by the subject total PITIA payment – DSCR If Lease and comparable rent payments
 differ Digital Risk will refer to the client guidelines for further guidance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within guidelines

8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in DSCR and any required upfront premium is paid

9. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

10. <u>Review Closing Documents</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 Settlement Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right
 to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;B. Valuation
 Review

1. <u>Review Appraisal</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital
 Risk's review included a review of the valuation materials utilized during the
 origination of the loan and in confirming the value of the underlying property. Digital
 Risk's review included verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On
 the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains evidence that Client approved use of
 that appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The
 original appraisal report is made and signed prior to the final approval of the closing
 of the loan. Any revisions, if made known to Digital Risk, to the original report are
 documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file, but notes a variance
 above 10% or an inconclusive value, Digital Risk will review third-party products in
 the file to ensure the correct value was applied per Client Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, Digital Risk's review will (a) review
 the relative comparable data (gross and net adjustments, sale dates and distance from
 subject property) and ensure that such comparable properties are within standard appraisal
 guidelines; (b) confirm the property value and square footage of the subject property
 was bracketed by comparable properties, (c) verify that comparable properties used are
 similar in size, style, and location to the subject, and (d) check for the reasonableness
 of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of Digital Risk's review include (i) verifying that the address matched
 the mortgage note, (ii) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
 confirming the appraisal report does not include any apparent environmental problems,
 (iv) confirming the appraisal notes the current use of the property is legal or legal
 non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property
 is in average or better condition and any repairs are noted where required and (b) that
 the subject property is the one for which the valuation was ordered and that if there
 are negative external factors, there is support in the loan file of the Client's
 approval to waive the factor; and (vi)

confirming that the value product that was used as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, Digital Risk will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, Digital
 Risk will create an exception and work with the client on the next steps which may include
 ordering of additional valuation products such as collateral desktop analyses, broker's
 price opinions, and full appraisals. If the property valuation products included in Digital
 Risk's review result in a variance of more than 10% then the Client will be notified
 of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Digital
 Risk will confirm to the extent possible, that the appraiser and the appraisal made by
 such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Digital
 Risk will review the appraisal for conformity to industry standards, including ensuring
 the appraisal was complete, that the comparable properties and adjustments were documented
 and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, Digital Risk will access the ASC database to verify that the appraiser, and
 if applicable the appraiser's supervisor, were licensed and in good standing at
 the time the appraisal was completed.

&nbsp;&nbsp;&nbsp;&nbsp;C. Compliance
 Review

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure
 to provide the three (3) business day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any
 material disclosure violation on a rescindable loan that gives rise to the right of rescission
 under TILA, which means the required disclosures of the annual percentage rate, the finance
 charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

2. <u>TILA</u> (for applicable Owner Occupied Properties)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

3. Business
 Purpose Loan Compliance Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Non-Owner
 Occupied Declaration Disclosure

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 Note accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 Mortgage and applicable riders for accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy
 Letter (must state that borrower(s) will not reside in the property for more than 14
 days on any calendar year, and be acknowledged by the consumer).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. HMDA
 section (Information for Government Monitoring Purposes) of the application (initial
 and/or final)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. If
 property is in a flood zone, Flood Notice must be provided prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Right
 to Receive Copy of Appraisal or Appraisal Waiver Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Letter
 of Explanation detailing the use of proceeds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Borrower's
 statement of purpose for the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. State
 License requirements when applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. State
 Predatory lending and high cost when applicable

4. <u>Exclusions</u>.
 Digital Risk reviews do not test for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For
 Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after
 January 1, 2016, whether prohibited fees were collected prior to the initial LE being
 issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated
 based on the applicable investor guidelines;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24

C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Digital
 Risk will review applicable mortgage loans for compliance with the ATR and QM rule requirements
 based upon each mortgage loan's originator designation of QM, Non- QM, or exempt
 from ATR. Digital Risk determines the mortgage loan's status under the ATR or QM
 rule requirements and assigns a due diligence mortgage loan designation. Generally, Digital
 Risk notes as a material exception if the due diligence findings do not confirm the originator's
 mortgage loan designation. Additionally, Digital Risk notes if an originator mortgage
 loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Digital
 Risk utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor,
 Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR
 Exempt and ATR Fail.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If
 a mortgage loan was designated as QM, Digital Risk reviews the mortgage loan to determine
 whether, based on available information in the mortgage loan file, if the mortgage loan
 satisfied (i), (ii) and (iii) in the preceding paragraph.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For
 each QM designated mortgage loan that does not satisfy the applicable requirements enumerated
 above, Digital Risk then determines whether the mortgage loan complies with the ATR rule
 consideration and verification requirements, as defined within the applicable underwriting
 guidelines, and provides a due diligence designation of Non-QM

indicating compliant, ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non- compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Digital
 Risk reviews the mortgage loan to determine whether, based on available information in
 the mortgage loan file, the creditor considered, as applicable, the following eight underwriting
 factors, and will verify such information using reasonably reliable third- party records,
 at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to Confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans - Ensure that all concurrent Loans were included in the debt- to-income ratio ("DTI")
 calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related
 Obligations - Validate that the subject Loan monthly payment calculation includes principle,
 interest, taxes, and insurance ("PITI"), as well as other costs related to
 the property such as homeowners' association ("HOA") fees, private
 mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 / Residual Income - Validate debt-to-income ratio (DTI), or "residual income,"
 based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross
 monthly income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History - Review credit report for credit history and required credit depth, including
 any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to $66,156
 but less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to
 $66,156; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home1 with a loan amount
 equal to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 $110,260.

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

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

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

○ The monthly DTI or residual income.

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

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

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

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

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

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

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

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

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

**DUE DILIGENCE REVIEWS – Bank Statement Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **CREDIT REVIEW.** 

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

The "Credit Review" included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is Complete, Signed, Dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Accept/Eligible
 decision

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AUS
data integrity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Underwriting
 decision is supported (AUS or manual underwrite credit conditions have been satisfied
 prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation
 of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation
 of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Reconcile
 AUS mismatches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Red
 Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Reverification of Borrower Original and Audit Credit Report (if needed)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's
 investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. The
 Reverifications within this section are intended to meet the Client Guidelines, Additional
 Guidelines or Agency Guidelines for post-closing quality control reverifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Order and Reviews Risk IQ Report to compare vs loan documentation (if requested)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Verification of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 employment and income by analyzing income documents and comparing against re-verification
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s
 and Paystubs

iii. Transcripts
 (as applicable) support income

iv. Tax
 Returns and Profit and Loss Statements, as applicable

v. Bank
 Statements or other Alternate Income documents as required by the Client Guidelines
 or Additional Guidelines

vi. Consistent/Continuing
 Employment

vii. The
 Reverifications within this section are intended to meet the Agency Guidelines for
 post- closing quality control reverifications. (If needed)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

---

| | |
|:---|:---|
| i. | Confirm adequate funds to cover required down payment and closing costs and |
|  | reserves |
| ii. | Check dates for document expiration |
| iii. | Sufficient funds were sourced and seasoned |
| iv. | Gift funds verified and met Client Guidelines or Additional Guidelines |
| v. | The Reverifications within this section are intended to meet the Client or Agency Guidelines for post- closing quality control reverifications.<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within Client Guidelines or Additional Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate
 in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient
 Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium
 indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right
 to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated
 based on the applicable investor guidelines;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24

C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and <br> iv. Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Digital
 Risk will review applicable mortgage loans for compliance with the ATR and QM rule requirements
 based upon each mortgage loan's originator designation of QM, Non- QM, or exempt
 from ATR. Digital Risk determines the mortgage loan's status under the ATR or QM
 rule requirements and assigns a due diligence mortgage loan designation. Generally, Digital
 Risk notes as a material exception if the due diligence findings do not confirm the originator's
 mortgage loan designation. Additionally, Digital Risk notes if an originator mortgage
 loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Digital
 Risk utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor,
 Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR
 Exempt and ATR Fail.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If
 a mortgage loan was designated as QM, Digital Risk reviews the mortgage loan to determine
 whether, based on available information in the mortgage loan file, if the mortgage loan
 satisfied (i), (ii) and (iii) in the preceding paragraph.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For
 each QM designated mortgage loan that does not satisfy the applicable requirements enumerated
 above, Digital Risk then determines whether the mortgage loan complies with the ATR rule
 consideration and verification requirements, as defined within the applicable underwriting
 guidelines, and provides a due diligence designation of Non-QM indicating compliant,
 ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non- compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Digital
 Risk reviews the mortgage loan to determine whether, based on available information in
 the mortgage loan file, the creditor considered, as applicable, the following eight underwriting
 factors, and will verify such information using reasonably reliable third- party records,
 at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to Confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower

will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans - Ensure that all concurrent Loans were included in the debt- to-income ratio ("DTI")
 calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related
 Obligations - Validate that the subject Loan monthly payment calculation includes principle,
 interest, taxes, and insurance ("PITI"), as well as other costs related to
 the property such as homeowners' association ("HOA") fees, private
 mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 / Residual Income - Validate debt-to-income ratio (DTI), or "residual income,"
 based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross
 monthly income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History - Review credit report for credit history and required credit depth, including
 any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to $66,156
 but less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to
 $66,156; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home1 with a loan amount
 equal to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 $110,260.

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

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

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

○ The monthly DTI or residual income.

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16. Chapters
 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family
 Guaranteed Loan Program, revised March 19, 2020.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Valuation Review** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital
 Risk's review included a review of the valuation materials utilized during the
 origination of the loan and in confirming the value of the underlying property. Digital
 Risk's review included verifying the appraisal report.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On
 the appropriate GSE form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title

---

| | |
|:---|:---|
|  | XI of FIRREA, or if the appraisal was performed for another lender, the file contains a transfer letter from the original lender<br>|
| vi. | The original appraisal report is made and signed prior to the final approval of the mortgage loan application; Any revisions, if made known to Digital Risk, to the original report are documented and dated completed and dated within the guideline's restrictions, |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file, but notes a variance
 above 10% or an inconclusive value, Digital Risk will recommend a BPO or field review
 be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, Digital Risk's review will (a) review
 the relative comparable data (gross and net adjustments, sale dates and distance from
 subject property) and ensure that such comparable properties are within standard appraisal
 guidelines; (b) confirm the property value and square footage of the subject property
 was bracketed by comparable properties, (c) verify that comparable properties used are
 similar in size, style, and location to the subject, and (d) check for the reasonableness
 of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of Digital Risk's review include (a) verifying that the address matched
 the mortgage note, (b) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (c) confirming
 the appraisal report does not include any apparent environmental problems, (d) confirming
 the appraisal notes the current use of the property is legal or legal non-conforming
 (grandfathered), (e) reviewing pictures to ensure (1) that the property is in average
 or better condition and any repairs are noted where required and (2) that the subject
 property is the one for which the valuation was ordered and that there are no negative
 external factors; and (f) confirming that the value product that was used as part of
 the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, Digital Risk will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, Digital
 Risk will create an exception and work with the client on the next steps which may include
 ordering of additional valuation products such as collateral desktop analyses, broker's
 price opinions, and full appraisals. If the property valuation products included in Digital
 Risk's review result in a variance of more than 10% then the client will be notified
 of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Digital
 Risk will confirm to the extent possible, that the appraiser and the appraisal made by
 such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Digital
 Risk will review the appraisal for conformity to industry standards, including ensuring
 the appraisal was complete, that the comparable properties and adjustments were reasonable
 and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, Digital Risk will access the ASC database to verify that the appraiser,

and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. COMPLIANCE
 REVIEW.

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

The below Compliance Review is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>").

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Digital Risk implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and

(ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Digital Risk worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Digital Risk continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the Initial LE and confirm (i) the correct form was used; (ii) all sections of the Initial
 LE are completed; and (iii) the Initial LE accurately reflects the information provided
 to Digital Risk

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 there is a Revised LE, confirm (i) that there is a "valid reason" for the
 Revised LE; and (ii)
that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine
 which LE in the file is the "final binding" LE for the purpose of Tolerance
 Testing. A Revised LE that is issued after the CD, or that does not state a valid reason
 will not be used for the purposes of Tolerance Testing. All revised LEs issued to the
 consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm
 initial LE was delivered within three (3) business days from the application date, and
 at least seven (7) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 revised LE was delivered within three (3) business days from date of the "valid
 reason" giving rise to the Revised LE, and at least four (4) business days prior
 to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that certain sections of each LE determined to carry assignee liability were accurately
 completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the CD review and confirm (i) the correct form was used; (ii) all sections of the CD
 are completed; and (iii) the CD accurately reflects the information provided to Digital
 Risk.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 a subsequent CD is issued, confirm (i) that there was a valid reason for the change;
 (ii) that the CD was issued within three (3) days of the change; and (iii) whether the
 reason for the change requires a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm
 Initial CD, and any subsequent CD with material changes (i.e. changes that require a
 new waiting period), was received at least three (3) business days prior to the consummation
 date. With respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 60 days after discovery of the exception establishing
 the need for a revised CD or with respect to exception remediation measures for non-numerical
 exceptions, that a corrected CD was delivered or placed in the mail no later than 60
 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure
 to provide the three (3) business day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any
 material disclosure violation on a rescindable loan that gives rise to the right of rescission
 under TILA, which means the required disclosures of the annual percentage rate, the finance
 charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed in the final binding LE to those in the final
 CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total
 of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge
 tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence that certain
 changes or errors (per the regulation) were discovered subsequent to closing, (ii) and
 whether the Loan originator followed the prescribed cure. Test for evidence such as a
 copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
 and (iii) with respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 60 days after discovery of the exception establishing
 the need for a revised CD or with respect to exception remediation measures for non-numerical
 exceptions, that a corrected CD was delivered or placed in the mail no later than 60
 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>TILA</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR
 threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance
 with the disclosure requirements, limitation on terms and

prohibited acts or practices in connection with a high-cost mortgage.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With
 respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan
 Originator Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
 in jurisdictions where it is prohibited.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. RESPA:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage
 loan file or that the mortgage loan file contains documentary evidence that the disclosure
 was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 the Your Home Loan Toolkit /Special Information Booklet was provided within three (3)
 business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm
 the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm
 that the CHARM booklet was issued within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm
 the Affiliated Business Arrangement Disclosure was provided no later than three (3) business
 days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm
 the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm
 the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and
 proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm
 that the creditor provided the borrower a list of homeownership counselling organizations
 within three (3) business days of application; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging
 of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing
 of creditor providing a copy of each appraisal or other written valuation; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas
 Constitution and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local
 Predatory Lending:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosure requirements and prohibitions of state, county and

municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay
 Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Exclusions</u>.
 Digital Risk will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan
 types that are excluded from compliance with TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The percentages are based on a population of 378 loans. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Amortization Term in Months | &nbsp;&nbsp;27 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.38% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.59% |
| &nbsp;&nbsp;Debt Service Coverage Ratio | &nbsp;&nbsp;196 | &nbsp;&nbsp;51.85% |
| &nbsp;&nbsp;First Payment Due Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;58 | &nbsp;&nbsp;15.34% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;15 | &nbsp;&nbsp;3.97% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.79% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;Original Qualifying FICO Score | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.79% |
| &nbsp;&nbsp;Origination/Note Date | &nbsp;&nbsp;123 | &nbsp;&nbsp;32.54% |
| &nbsp;&nbsp;Originator Back-End DTI | &nbsp;&nbsp;13 | &nbsp;&nbsp;3.44% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;22 | &nbsp;&nbsp;5.21% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;Subject Street Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;The Original Principal and Interest Payment Amount | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.06% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;195 | &nbsp;&nbsp;$59970712.50 | &nbsp;&nbsp;51.59% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;179 | &nbsp;&nbsp;$63001343.00 | &nbsp;&nbsp;47.35% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;4 | &nbsp;&nbsp;$1024250.00 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;378 | &nbsp;&nbsp;$123996305.50 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;269 | &nbsp;&nbsp;$81691055.50 | &nbsp;&nbsp;71.16% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;108 | &nbsp;&nbsp;$42080250.00 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;1 | &nbsp;&nbsp;$225000.00 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;378 | &nbsp;&nbsp;$123996305.50 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;276 | &nbsp;&nbsp;$83228553.50 | &nbsp;&nbsp;73.02% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;100 | &nbsp;&nbsp;$40137252.00 | &nbsp;&nbsp;26.46% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;2 | &nbsp;&nbsp;$630500.00 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;378 | &nbsp;&nbsp;$123996305.50 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;375 | &nbsp;&nbsp;$122082895.50 | &nbsp;&nbsp;99.21% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;2 | &nbsp;&nbsp;$1744660.00 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;1 | &nbsp;&nbsp;$168750.00 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;378 | &nbsp;&nbsp;$123996305.50 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The valuation methodology complies with applicable underwriting guidelines and the value is supported within 90% of the original appraisal by the first third party valuation product. The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The valuation methodology does not meet applicable published guidelines for the program.<br>The value is not supported within 90% of the original appraisal by the first third party valuation product but a second third party valuation product is provided and does support original appraised value within 90%.<br>The value is not supported within 90% of the original appraisal by the first third party valuation product; a second third party valuation product is provided and does not support the original appraised value within 90%; a third party value reconciliation product is then provided which reconciles the appraisal, first, and second valuation products, and supports within 90% of the appraisal. When a reconciliation supports the appraisal, first and second valuation products, the lower of the appraised value, purchase price for purchases, and reconciliation value will be used to establish lending value.<br>The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms.<br>|
| &nbsp;&nbsp;C | &nbsp;&nbsp;The valuation methodology does not meet every applicable published guideline for the program. The value is not supported within 90% of the original appraisal by any of the third-party valuation products or the reconciliation. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.17

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.17**

EFMT 2025-NQM3 Rebuttal Findings_Redacted

Seller:

Deal ID:

Total Loan Count: 378

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Loans by Grade in Population | Loans by Grade in Population | Loans by Grade in Population | Trade Summary Trade Summary | Trade Summary Trade Summary | Trade Summary Trade Summary |
| Loan Grade | Count | Percentage | Loan Status | Count | Percentage |
| 1 | 195 | 51.59% | Review Complete | 373 | 98.68% |
| 2 | 179 | 47.35% | In Rebuttal | 5 | 1.32% |
| 3 | 4 | 1.06% |  |  |  |
| ![](loanbygrade001.jpg) | ![](loanbygrade001.jpg) | ![](loanbygrade001.jpg) | ![](tradesummary001.jpg) | ![](tradesummary001.jpg) | ![](tradesummary001.jpg) |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  | Finding Status | Finding Status | Finding Status | Finding Status | Final Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |
| Initial Findings Grade | Count | Rebuttal Received | Responses Given | Open | Resolved | UpHeld | Void | 3 | 4 | 2 | 1 |
| 3 | 301 | 298 | 299 | 5 | 240 | 0 | 0 | 5 | 0 | 62 | 234 |
| 4 | 8 | 8 | 8 | 0 | 7 | 0 | 0 | 0 | 0 | 1 | 7 |
| 2 | 336 | 144 | 144 | 2 | 141 | 0 | 0 | 0 | 0 | 194 | 142 |
| 1 | 714 | 10 | 10 | 657 | 0 | 0 | 10 | 0 | 0 | 0 | 714 |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  | Initial Finding Grade | Initial Finding Grade | Initial Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |
| Exceptions | Count | 3 | 4 | 2 | 3 | 4 | 2 |
| Compliance | 319 | 64 | 1 | 254 | 2 | 0 | 117 |
| Note - Incomplete | 201 | 18 | 0 | 183 | 0 | 0 | 42 |
| Security Instrument - Inaccurate | 25 | 4 | 0 | 21 | 0 | 0 | 21 |
| HUD1 - Not Final | 16 | 0 | 0 | 16 | 0 | 0 | 16 |
| TRID - CD - Section B incorrect payee | 13 | 0 | 0 | 13 | 0 | 0 | 13 |
| Security Instrument - Incomplete | 11 | 11 | 0 | 0 | 1 | 0 | 0 |
| Security Instrument - Missing Rider/Addendum | 9 | 9 | 0 | 0 | 1 | 0 | 0 |
| TRID - CD - Loan Information/Loan Type | 9 | 0 | 0 | 9 | 0 | 0 | 9 |
| Security Instrument - Name Discrepancy | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| HMDA - Government Monitoring | 3 | 0 | 0 | 3 | 0 | 0 | 3 |
| TRID - CD - Loan Disclosures/Escrow Account | 3 | 0 | 0 | 3 | 0 | 0 | 3 |
| TRID - Zero Tolerance Violation (No Valid COC) | 3 | 3 | 0 | 0 | 0 | 0 | 2 |
| State Regulations | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| HUD1 - Missing (All) | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Flood Insurance Required | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| Federal - HPML APR/Non-Compliant | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Federal - HPML APR/Compliant | 1 | 0 | 0 | 1 | 0 | 0 | 0 |
| TRID - Zero Tolerance Violation (Revised Disclosure Late) | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Note - Trust Not Executed | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Trust Not Executed | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Note - Name Discrepancy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| State HPML | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| TRID - CD/Payee Not Listed | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| ROR - Timing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - 10% Tolerance Violation (No Valid COC) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Missing | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| Credit | 317 | 229 | 7 | 81 | 2 | 0 | 138 |
| DSCR - Program Parameters - Other | 116 | 48 | 0 | 68 | 0 | 0 | 81 |
| Appraisal - Other | 22 | 20 | 0 | 2 | 0 | 0 | 5 |
| DSCR - Missing background check | 17 | 17 | 0 | 0 | 0 | 0 | 0 |
| Credit Report - Other | 14 | 14 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - Other | 13 | 11 | 0 | 2 | 0 | 0 | 9 |
| Credit - Other | 12 | 12 | 0 | 0 | 0 | 0 | 2 |
| Hazard Insurance - Missing/Insufficient | 10 | 10 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - LTV | 9 | 9 | 0 | 0 | 1 | 0 | 7 |
| Final Application - Missing | 7 | 7 | 0 | 0 | 0 | 0 | 1 |
| DSCR - Missing Entity Documentation | 6 | 6 | 0 | 0 | 0 | 0 | 0 |
| Assets - Minimum Reserves | 6 | 4 | 0 | 2 | 0 | 0 | 5 |
| Credit Missing - One or More Reports Missing | 6 | 6 | 0 | 0 | 0 | 0 | 1 |
| Hazard Insurance deductible over allowed 5% of coverage amount. | 6 | 6 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Appraisal Missing | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Borrower Info | 5 | 1 | 4 | 0 | 0 | 0 | 1 |
| Program Parameters - Property Type | 4 | 2 | 0 | 2 | 0 | 0 | 4 |
| Appraisal - Missing required 1004 D | 4 | 4 | 0 | 0 | 0 | 0 | 1 |
| Verification Documentation - VOR | 4 | 4 | 0 | 0 | 0 | 0 | 4 |
| Assets - Large Deposits/Unacceptable | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Assets - Other | 3 | 3 | 0 | 0 | 0 | 0 | 1 |
| Income - Tax Transcripts Missing | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| Borrower - Residency Alien Documentation | 2 | 0 | 2 | 0 | 0 | 0 | 1 |
| Income - Rental Property Income | 2 | 2 | 0 | 0 | 1 | 0 | 0 |
| Title Commitment - Missing/Incomplete | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Contract Addendum - Missing | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Income - Other | 2 | 1 | 1 | 0 | 0 | 0 | 1 |
| Income - Other/Missing | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Assets - Cash to Close | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| DTI - Exceeds Guidelines - originator (not pcqc eligible) | 2 | 2 | 0 | 0 | 0 | 0 | 2 |
| Flood Certificate - Missing | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Borrower - Ineligible borrower | 2 | 2 | 0 | 0 | 0 | 0 | 2 |
| Income - Pay Stubs Missing | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Income - Tax Return Documentation Incomplete | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Mortgage History - Missing/Incomplete | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Borrower - Identification | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit - OFAC Screening | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Sales Contract - Missing/Incomplete | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Contract - Parties | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Repairs | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Condo - Liability Insurance | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - Employment History | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Program Parameters - Cash-Out, Delayed Financing | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Title Commitment - Other | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit Report - Inquiries | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| DSCR - Missing required STR Documents | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Property listed for sale within 6 months of application date | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - DTI | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Income - Insufficient Documentation | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Program Parameters - Credit Score | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Verification Documentation - VVOE Salaried/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Credit Report - Alerts | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| FEMA | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Debts - Not Verified | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Verification Documentation - VOE Self-Employed/Missing | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Valuation | 9 | 8 | 0 | 1 | 1 | 0 | 2 |
| Appraisal - Value is not supported within 10% of original appraisal amount | 8 | 8 | 0 | 0 | 1 | 0 | 1 |
| Appraisal - Value is supported within 10% of original appraisal amount | 1 | 0 | 0 | 1 | 0 | 0 | 1 |

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![](chart001.gif)

## Exhibit 99.18

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.18**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **DD Start Date** | **DD Delivery Date** | **Audit Category** | **Audit Issue** | **Finding ID** | Exception Finding | Remediation Status | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **SOL Expiration Date** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 2031425 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2031425 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument cannot be verified as accurate due to Title Commitment missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> please see title commitment <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2031425 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Alerts | XXXX | The credit report contains a fraud alert which has not been adequately addressed in the loan file. The guidelines require all Fraud Alerts must be properly addressed and resolved. The actions must be reasonable and compliant with applicable laws. An underwriting decision cannot be made without full resolution of the alert. The loan file was missing any evidence that the fraud alert had been adequately addressed. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Is the ask here a letter of explanation? this is the second loan we have done with this borrower.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> processor cert attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Processor to clear the alert by calling the borrower at number on the credit report. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2031425 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | FEMA | XXXX | FEMA Search completed reflecting a declared disaster after appraisal date. FEMA Declaration declared XX/XX/XXXX for XXXX Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, And Mudslides (DR-4864-XX) with an incident date of XX/XX/XXXX and continuing which is after original appraisal date XX/XX/XXXX. Please provide Property Inspection to confirm no damage for the address located at XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Post disaster inspection attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2031425 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> title commitment attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2031425 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2034753 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2034753 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> final app attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2034753 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. The maximum LTV for a portfolio (crossed collateral) cash-out refinance with a qualifying credit score of XXX is XX%. The subject closed with an LTV of XX%, which exceeds the guidelines. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> XXXX approval attached.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Please see attached lock conformation.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The email chain provided does not specify that the Investor is granting an exception for the 75% LTV. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Exception for 75% LTV not specified. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Investor has approved to waive based on compensating factors. (Waived)<br>|  | Comp factors - experienced investor and reserves of XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2034753 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which support the appraised values. Further, a 2055 exterior additional appraisal was provided dated XX/XX/XXXX which supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031424 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2031424 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with Title. The Security Instrument was vested in an Entity; however, Title reflects current vested interest as individuals. There is no evidence of a Transfer Deed in the loan file to support the change in vested interest. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> on page one of the prelim title commitment it states that it is "to be vested XXXX name of the borrower XXXX LLC"<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Quit claim deed attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. There has to be a chain of title connecting those who are taking out the new deed with who was on title at the time the transaction took place. XXXX LLC did not have vested interest XXXX the property to be able to be on the new mortgage. A deed transferring ownership from the Individuals to the LLC is required. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2031424 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2031424 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2037672 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2037672 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required to close. The borrower was required to evidence XXXX in reserves. This is in addition to the required funds to close and earnest money deposit in the amount of XXXX. The borrower was required to evidence total funds for closing in the amount of XXXX. The loan file contained a bank statement which evidence available funds in the amount of $XXX. Therefore the borrower is short closing funds in the amount of XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached, borrower did a C/O refi received funds and then did this purchase. <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2037672 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX and XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2037677 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2037677 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. Appraisal to be provided to include the rent schedule in order to determine market rent for accurate DSCR calculation. Noted, the file was reviewed as a prefund and the appraisal was included in that file for review. Full appraisal not provided post fund for review. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Appraisal provided and market rent used validated. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2037677 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2037676 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2037676 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The current hazard insurance policy on the subject property reflects the policy as a rental dwelling policy; however, is missing evidence of at least 6 months rent loss insurance. Rent loss insurance was provided at prefund review. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Document provided as required. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2037676 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2037674 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2037674 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2037674 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2037675 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2037675 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2037675 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2037678 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2037678 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2037678 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2037673 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2037673 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2037673 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2037671 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: SFR Entity Borrower Rider | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2037671 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2037671 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2037667 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2037667 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2037667 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain a CDA to support the origination appraised value. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> CDA provided.<br>| Response 1 (XX/XX/XXXX XXXX)<br> CDA provided and supports original appraised value. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2037669 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2037669 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Lender exception provided to allow a prepayment penalty on a XXXX loan not closing in an Entity. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX months reserves and extremely experienced investor. |  | 2 | 2 | 3 | 2 |
| XXXX | 2037669 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Lender exception provided to allow the loan to close in a personal name. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: 85 months reserves and extremely experienced investor. |  | 2 | 2 | 3 | 2 |
| XXXX | 2037669 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. The file contained Quotes for both the Hazard Insurance policy and the Flood Insurance policy. The final policies with all required information, including the correct mortgagee clause, were not provided. Noted, comments on the Audit 1008 for the prefund review stated these final policies would be required at closing. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> CDA attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Polices for both the HOI and Flood provided as required. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2037669 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain a CDA from XXX, XXXX Reconciliation Report, or AVM from XXXX to support the origination appraised value. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> CDA attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> CDA provided and supports original appraised value. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2037668 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: Business Loan Rider | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2037668 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The application is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2037668 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2037666 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2037666 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Borrower Info | XXXX | The borrower's name on the appraisal XXXX does not match the borrowers listed on the loan XXXX. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Investor has approved to waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Investor approved to waive based on compensating factors. (Waived)<br>|  | Comp factors - XXXX is XXXX-owner of subject LLC but was removed as a guarantor. FICO XXX and reserves of XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2037666 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Other | XXXX | The loan file requires $XXXX in verified assets ($XXX funds to close plus $XXX reserves). The loan file contains documentation supporting $XXX in IRA accounts which are allowed per investor guidelines to be used for reserves only without liquidation. The loan file also contains a XXX #XXXX CK account in a business name with an access letter however Investor guidelines state if a business account is not in the same name as the borrowing entity the following requirements must be met: Natural borrower must have 25% or greater ownership of the entity and they must have an access letter. The documentation in the loan file indicates XXX is XX% owned by XXXX who is XX% owner of the borrowing entity but not a borrower on this loan. The loan file is short $XXXX in liquid funds to close. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Investor has approved to waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Investor has approved to waive based on compensating factors. (Waived)<br>|  | Comp factors - XXX is XXXX-owner of subject LLC but was removed as a guarantor. FICO XXX and reserves of XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2037666 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2037670 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2037670 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2037670 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> See attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2037670 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2037679 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider(s) / Legal Addendum(s) are missing: Business loan rider and the Business purpose and Environmental Rider. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2037679 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Condo - Liability Insurance | XXXX | The subject property is a Condominium, and the file does not contain evidence of sufficient Project Liability Insurance coverage. Per program guidelines all condo projects must carry a Master Insurance Policy that incorporates a minimum $XXXX General Liability policy. The loan file included a Master Insurance policy that only had building coverage and no Liability coverage. Additionally, the Master Insurance Policy reflects the borrower name as XXXX, however the borrowers name is XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Updated master policy provided. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2037679 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1916106 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1916106 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1916106 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. The mortgage included a land only property with an address of XXXX; however, the loan file contained no valuation for this property. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Its a vacant parcel that we collateralized but gave no value to<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1916106 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The property located at XXXX appears on the final HUD and title documentation as part of the blanket; however, does not appear on the subject mortgage as one of the listed properties. Confirmation of the properties included in the blanket is required. Additional documentation may be required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Per our legal team we believe that all parcels are properly recorded and searchable within the county land records. An affidavit should be able to suffice to correct the mistake, omitting the full address within page 2 and 3. Can you confirm if this proposal is acceptable before we draw up docs? <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Re-recorded mtg<br>| Response 1 (XX/XX/XXXX XXXX)<br> The correction will need to be recorded. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1916106 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Property Type | XXXX | The subject loan does not meet Program Parameters for Property Type. The mortgage reflects a parcel ID of XXXX which according to the loan terms and commitment in the loan file, is a property located at XXX. This property also appears on the final HUD-1 settlement statement in the property list and an escrow reserve for taxes also appears on the HUD for the property. The title commitment reflects the same property as well. The loan terms sheet reflects that there is no partial release for this property. The loan file does not contain any other property report documentation as required. According to the plat map provided in the appraisal for the property located at XXXX, this property is next door and is vacant land. This property is land only and is not allowed per the guidelines. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Its a vacant parcel that we collateralized but gave no value to<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> re-recorded mtg<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Please waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> An exception is required. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Property is still referenced XXXX description section A of the mortgage. Please provide an Investor exception. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | XXX score. Experienced Investor. XXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 1916106 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at 2.5 or under to support the origination appraised value. The CDA for the property located at XXXX had a XX% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The Deal structured using Lesser CDA value i,e XXXX<br>| Response 1 (XX/XX/XXXX XXXX)<br> Used XXXX CDA to determine value. Finding downgraded to EV2. (Resolved)<br>|  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2031268 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2031268 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Notary acknowledgment page on the loan agreement is not completed. | Acknowledged | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The Loan Agreement provided has not been executed by the lender on pg.16 of 16. (Acknowledged)<br>|  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2031268 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject property is vacant per the appraisal andthe loan file does not contain documentation supporting the property is currently leased as required per investor guidelines for a refinance transaction for a single family residence. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached Rehab & SLV<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Investor exception granted.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | XXX score. XXXX DSCR. XXXX months of reserves. |  | 2 | 2 | 2 | 2 |
| XXXX | 2031268 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2022595 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2022595 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2022595 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2022595 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2022594 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 4 | 2 |
| XXXX | 2022594 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 4 | 2 |
| XXXX | 2022594 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Borrower Info | XXXX | The borrower's name on the appraisal does not match other loan file documentation. The appraisal reflects a borrower name of XXXX, LLC. The note reflects a borrower name of XXXX, LLC. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Two appraisals with Borrower field updated to XXXX <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 4 | 1 | 4 | 2 |
| XXXX | 2022594 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 2 |
| XXXX | 2022589 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2022589 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2022589 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Per the investor guidelines, appraisal must contain at least 3 comparable sales in the same zip code or within 1 mile of the subject property. Subject's appraisal contained 4 comparable sales with distance of comps ranging from X to X miles from the subject and all located in a different zip code than the subject property. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Appraiser confirmed on page 4 of the appraisal that there was a lack of recent sales XXXX the immediate area of XXXX, XXXX and had to expand his search to the neighboring town of XXXX, XXXX. The CDA also confirmed there was a lack of REO sales XXXX the village of XXXX on the top of page 2 of their report. Loan was also leveraged at 70 LTV when the borrower qualified for 75 given his FICO and experience.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Exception request attached<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Investor has approved to waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> An Investor exception will be required. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Awaiting Investor exception approval. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Investor approved to waive based on compensating factors. (Waived)<br>|  | Comp factors - FICO XXX, reserves XXXX, DSCR XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2022589 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines for XXXX LLC to include criminal and judgement searches. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> We were unable to pull XX on each entity because they did not have an EIN number attached to them because it is the disregarded structure. We got the XX on the primary entity to compensate. The current entity is solely owned by XXXX LLC, it was formed on XX/XX/XXXX, as a Disregarded Entity - Single Member LLC so the sub entities owned by it will not have their own EIN and report taxes through the parent company/owner onto their personal federal tax return. Both the XXX LLC have clean background checks and are XXXX good standing. Supporting information can be found here https://www.irs.gov/businesses/small-businesses-self-employed/single-member-limited-liability-companies<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2022589 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance deductible over allowed 5% of coverage amount. | XXXX | Deductible over the allowed X% of coverage amount. The Summary of Insurance coverage confirmed hazard insurance amount of insurance in the amount of $XXXX. The deductible was reported as $XXXX or as defined in the policy, which exceeds the maximum allowable of X%. The summary of insurance coverage confirmed all coverage amounts and other required information; however the full policy was not provided to determine if deductible was less than the $XXXX shown. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The borrower has a large master policy covering all of his rental loans under one umbrella policy. On each EOI provided by XXXX the hazard insurance master policy code is XXXX. He has millions of dollars XXXX coverage on this policy and would only need $XXXX XXXX coverage for the deductible to not breach the 5% threshold required by XXXX.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Master Insurance Policy attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Please provide a copy of the master policy. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2022589 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1916056 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1916056 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1916056 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | According to guidelines the maximum LTV for a purchase transaction is XX%. The subject closed at XX% LTV which exceeds the maximum allowable. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please check the attached SLV doc<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Loan was based off a XXXX purchase price, XXXX base +XX assignment. This gives an LTV of XXXX<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Please waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The CD reflects a XXXX price with assignment fees as costs. The loan was not set up to support a XXXX purchase price. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | XXXX score. Experienced Investor. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 1916056 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031269 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031269 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2031269 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The Title Commitment for XXXX, XXXX, and XXXX are missing and no transfer deeds were provided. The Vested Interest on the Security Instrument cannot be verified as accurate due to missing title commitments, it will require an executed Deeds showing the transfer in title. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> mtg<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Attached TCOM<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The Mortgage has been provided. The Vested Interest on the Security Instrument cannot be verified as accurate due to missing title commitments, it will require an executed Deeds showing the transfer XXXX title. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031269 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The guidelines require valid Certificates of Formation (Articles of Organization / Incorporation). The Articles of Organization or formation are not present in the loan file for the borrowing entity XXXX, LLC. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please check attached<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> This is an exception for articles of organization not an address defect, please elaborate<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Articles of Origination for Property Mavens<br>| Response 1 (XX/XX/XXXX XXXX)<br> Name change received does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The document received was not an Articles of Organization. It was a request for address change. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031269 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The Borrower's credit report reflects 3x30 mortgage late dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The loan file is missing a letter of explanation from the Borrower as required per guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> please check attached <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> LOX for XX and XX lates<br>| Response 1 (XX/XX/XXXX XXXX)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031269 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2022592 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2022592 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2022592 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One XXXX More Reports Missing | XXXX | The origination credit report was not provided as required. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Borrower credit report attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2022592 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines for XXXX LLC to include criminal and judgement searches. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> We were unable to pull XX on each entity because they did not have an EIN number attached to them because it is the disregarded structure. We got the XX on the primary entity to compensate. The current entity is solely owned by XXXX LLC, it was formed on XX/XX/XXXX, as a Disregarded Entity - Single Member LLC so the sub entities owned by it will not have their own EIN and report taxes through the parent company/owner onto their personal federal tax return. Both the XXXX LLC have clean background checks and are XXXX good standing. Supporting information can be found here https://www.irs.gov/businesses/small-businesses-self-employed/single-member-limited-liability-companies<br>| Response 1 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2022592 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance deductible over allowed 5% of coverage amount. | XXXX | Deductible over the allowed 5% of coverage amount. The Summary of Insurance coverage confirmed hazard insurance amount of insurance in the amount of $XXXX. The deductible was reported as $XXXX or as defined in the policy, which exceeds the maximum allowable of 5%. The summary of insurance coverage confirmed all coverage amounts and other required information; however the full policy was not provided to determine if deductible was less than the $XXXX shown. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The borrower has a large master policy covering all of his rental loans under one umbrella policy. On each EOI provided by XXXX the hazard insurance master policy code is XXXX. He has millions of dollars XXXX coverage on this policy and would only need $XXXX XXXX coverage for the deductible to not breach the 5% threshold required by XX.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Master Insurance Policy attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Please provide a copy of the master policy. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2022592 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2022593 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2022593 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2022593 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines for XXXX LLC to include criminal and judgement searches. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> We were unable to pull XX on each entity because they did not have an EIN number attached to them because it is the disregarded structure. We got the XX on the primary entity to compensate. The current entity is solely owned by XXXX LLC, it was formed on XX/XX/XXXX, as a Disregarded Entity - Single Member LLC so the sub entities owned by it will not have their own EIN and report taxes through the parent company/owner onto their personal federal tax return. Both the XXXX LLC have clean background checks and are XXXX good standing. Supporting information can be found here https://www.irs.gov/businesses/small-businesses-self-employed/single-member-limited-liability-companies<br>| Response 1 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2022593 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance deductible over allowed 5% of coverage amount. | XXXX | Deductible over the allowed 5% of coverage amount. The Summary of Insurance coverage confirmed hazard insurance amount of insurance in the amount of $XXXX. The deductible was reported as $XXXX or as defined in the policy, which exceeds the maximum allowable of 5%. The summary of insurance coverage confirmed all coverage amounts and other required information; however the full policy was not provided to determine if deductible was less than the $XXXX shown. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The borrower has a large master policy covering all of his rental loans under one umbrella policy. On each EOI provided by XXXX the hazard insurance master policy code is XXXX. He has millions of dollars XXXX coverage on this policy and would only need $XXXX XXXX coverage for the deductible to not breach the 5% threshold required by XX.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Master Insurance Policy attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Please provide a copy of the Master Policy. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2022593 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2022591 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2022591 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2022591 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines for XXXX LLC to include criminal and judgement searches. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> We were unable to pull XX on each entity because they did not have an EIN number attached to them because it is the disregarded structure. We got the XX on the primary entity to compensate. The current entity is solely owned by XXXX LLC, it was formed on XX/XX/XXXX, as a Disregarded Entity - Single Member LLC so the sub entities owned by it will not have their own EIN and report taxes through the parent company/owner onto their personal federal tax return. Both the XXXX LLC have clean background checks and are XXXX good standing. Supporting information can be found here https://www.irs.gov/businesses/small-businesses-self-employed/single-member-limited-liability-companies<br>| Response 1 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2022591 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance deductible over allowed 5% of coverage amount. | XXXX | Deductible over the allowed 5% of coverage amount. The Summary of Insurance coverage confirmed hazard insurance amount of insurance in the amount of $XXXX. The deductible was reported as $XXXX or as defined in the policy, which exceeds the maximum allowable of 5%. The summary of insurance coverage confirmed all coverage amounts and other required information; however the full policy was not provided to determine if deductible was less than the $XXXX shown. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The borrower has a large master policy covering all of his rental loans under one umbrella policy. On each EOI provided by XXXX the hazard insurance master policy code is XXXX. He has millions of dollars XXXX coverage on this policy and would only need $XXXX XXXX coverage for the deductible to not breach the 5% threshold required by XX.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Master Insurance Policy attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Please provide a copy of the Master Policy. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2022591 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2022590 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2022590 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2022590 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines for XXXX LLC to include criminal and judgement searches. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> We were unable to pull XX on each entity because they did not have an EIN number attached to them because it is the disregarded structure. We got the XX on the primary entity to compensate. The current entity is solely owned by XXXX LLC, it was formed on XX/XX/XXXX, as a Disregarded Entity - Single Member LLC so the sub entities owned by it will not have their own EIN and report taxes through the parent company/owner onto their personal federal tax return. Both the XXXX LLC have clean background checks and are XXXX good standing. Supporting information can be found here https://www.irs.gov/businesses/small-businesses-self-employed/single-member-limited-liability-companies<br>| Response 1 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2022590 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance deductible over allowed 5% of coverage amount. | XXXX | Deductible over the allowed 5% of coverage amount. The Summary of Insurance coverage confirmed hazard insurance amount of insurance in the amount of $XXXX. The deductible was reported as $XXXX or as defined in the policy, which exceeds the maximum allowable of 5%. The summary of insurance coverage confirmed all coverage amounts and other required information; however the full policy was not provided to determine if deductible was less than the $XXXX shown. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The borrower has a large master policy covering all of his rental loans under one umbrella policy. On each EOI provided by XXXX the hazard insurance master policy code is XXXX. He has millions of dollars XXXX coverage on this policy and would only need $XXXX XXXX coverage for the deductible to not breach the 5% threshold required by XX.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Master Insurance Policy attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Please provide a copy of the master policy. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2022590 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1947953 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1947953 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1947953 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | Subject loan closed at an LTV of XX%. The maximum LTV on a cash out refinance was XX% and exceeded the max LTV per the guidelines. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> SLV request Doc attached<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> This loan is a rate term refi. Rate/terms are allowed to go up to 80%. This is not a cash out<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> This is the same thing that happened on XXXX. Same story. <br>Rebuttal 4 (XX/XX/XXXX XXXX)<br> Investor approved to waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Line 1306 reflects a XXXX unsecured loan paid off with proceeds. This translates into cash back of XXXX. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Awaiting Investor exception. (Upheld)<br>Response 4 (XX/XX/XXXX XXXX)<br> Investor approved to waive based on compensating factors. (Waived)<br>|  | Comp factors - FICO XXX, DSCR XXXX & experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 1947953 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031266 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031266 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2031266 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Borrower Info | XXXX | The borrower's name on the appraisal does not match other loan file documentation. The appraisal for the property located at XXXX reflects a borrower name of XXXX, LLC. The note reflects a borrower name of XXXX, LLC. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Property was deeded over before closing after appraisal was completed. The guarantor owns both companies.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2031266 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The Borrower's credit report reflects 3x30 mortgage late dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The loan file is missing a letter of explanation from the Borrower as required per guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please check attached<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> LOX for lates<br>| Response 1 (XX/XX/XXXX XXXX)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031266 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031267 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031267 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2031267 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | According to guidelines the maximum LTV for a cash out refinance is XX%. The subject closed with an XX% LTV which exceeds to maximum allowable. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please check the attached SLV doc.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> this is a rate/term and not a cash out; rate/terms are XXXX to 80%<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> I'm not seeing any cash out to the borrower, seeing they came to table with XXXX. <br>Rebuttal 4 (XX/XX/XXXX XXXX)<br> LOE provided explaining the XX and payoff provided paying the loan off.<br>Rebuttal 5 (XX/XX/XXXX XXXX)<br> Client approved request to waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> It was cash-out. XXXX XXXX proceeds was used to pay off an unsecured loan to XXXX LLC. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Please see line 1303 on the HUD. XXXX unsecured paid to XXXX LLC. This appears to be cash-out. (Upheld)<br>Response 4 (XX/XX/XXXX XXXX)<br> Client approved request to waive based on compensating factors. (Waived)<br>|  | Comp factors - FICO XXX, reserves XXXX, DSCR XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2031267 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031265 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2031265 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | According to guidelines all refinance transactions require both a payoff letter and pay history. The payoff is provided; however, no pay history was provided in the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> pay history<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031265 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031259 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031259 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2031259 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the validation document for borrower entity: XXXX, LLC. The Certificate of Formation/Articles of Organization is missing. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031259 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031264 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2031264 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2031264 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2031262 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2031262 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2031262 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2031262 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007294 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2007294 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2007294 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at 2.5 or under to support the origination appraised value. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached field review<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> field review attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031263 | 1 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031263 | 2 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2031263 | 3 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Borrower Info | XXXX | The borrower's name on the appraisal does not match other loan file documentation. The appraisal reflects a borrower name of XXXX. The note reflects a borrower name of XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and XXXX this case, it was XX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2031263 | 4 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Borrower - Identification | XXXX | The photo identification for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The loan documents were done correctly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the Operating Agreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and XXXX this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031263 | 5 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence the Borrower, XXXX, whom signed the note, passed the OFAC screening process. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and XXXX this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031263 | 6 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One XXXX More Reports Missing | XXXX | Not all required credit reports are within the file. The credit report for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and XXXX this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031263 | 7 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The background check and lien and judgment search for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and XXXX this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031263 | 8 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The Guaranty signed by the Borrower XXXX, manager of the entity whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and XXXX this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031263 | 9 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing for the borrower XXXX, whom signed the note. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and XXXX this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031263 | 10 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031260 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2031260 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 3 |
| XXXX | 2031260 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The date that the borrower executed the mortgage was not reflected on page 14 of the security instrument. |  |  |  |  |  |  | 3 | 3 | 3 | 3 |
| XXXX | 2031260 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2031260 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2031255 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031255 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Page 1 of the Note was missing. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031255 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2031255 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031255 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031261 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031261 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2031261 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The guidelines indicate the Guarantor background report must be dated within 90 days of the loan's closing date. The XXXX Background Report in file for the Guarantor is dated XX/XX/XXXX which is 205 days from the XX/XX/XXXX Note Date. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031261 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031258 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031258 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2031258 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Guidelines define a large deposit as more than XX% of the monthly average deposit balance which exceeds $XXXX must be sourced. The XXXX business asset XXX XX/XX/XXXX reflects recent large deposits which were not sourced and/or documented as follows: (1) XX/XX/XXXX in the amount of $XXXX with description XXXX (2) XX/XX/XXXX in the amount of $XXXX originating name XXXX Bank (3) XX/XX/XXXX in the amount of $XXXX originating name XXXX Bank (4) XX/XX/XXXX in the amount of $XXXX originating name XXXX Bank, and (5) XX/XX/XXXX in the amount of $XXXX remote online deposit. Total verified assets with XXXX business asset XXXX and business savings asset XXXX $XXXX. Total required assets $XXXX (funds to close $XXXX plus 9 months reserves on the subject $XXXX). Reduction in assets by the large deposits results in a funds to close/reserve shortage. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please waive this exception on compensating factors.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> LOX for large deposits<br>| Response 1 (XX/XX/XXXX XXXX)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031258 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Sales Contract - Missing/Incomplete | XXXX | The Settlement Statement reflects a seller credit of $XXXX not reflected in the purchase contract or otherwise in the file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Addendum w/ seller credits<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> LOX regarding the XXXX<br>| Response 1 (XX/XX/XXXX XXXX)<br> Addendum provided does not belong to the transaction. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031258 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031256 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Page 4 of the Note is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Note<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031256 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2031256 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Pages 10 and 11 of the Mortgage are missing. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Deed<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031256 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031256 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031252 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2031252 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The mortgagee clause on the homeowner's insurance was not updated to reflect the current transaction/lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Updated HOI<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031252 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031254 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031254 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2031254 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Subject transaction is a refinance of a SFR property. Per the guidelines for refinance transactions, the property must be leased at time of closing unless newly renovated. The appraiser indicates subject property has been remodeled and is occupied by a tenant, however, did not indicate the monthly rent. The file is missing a lease agreement for current tenants. Additional conditions may apply. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached SLV<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Investor approved to waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Investor approved to waive based on compensating factors. (Waived)<br>|  | Comp factors - FICO XXX, Reserves XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2031254 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031253 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-1 Settlement Statement provided in the loan file. As a result the following reviews could not be performed: Federal Threshold, State Threshold, and final HUD-1 accuracy. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031253 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following sections of the Note are incomplete: The Note was not fully executed by the notary. Additionally, page 5 of the Note did not reflect the date that the borrower executed the document. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031253 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2031253 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031253 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031250 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031250 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2031250 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The subject appraisal was completed "As Is" with no repairs noted. However, a review of the photographs provided by the appraiser reflected standing water in the unfinished basement. The appraiser did not provide any comments regarding the leak. In addition, the loan file did not contain an inspection or other documentation reflecting the issue had been resolved. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Pics of basement and gutters/drainage added. Property did not have gutters at the time of purchase. Gutters and drainage have been added to take the water away from the house. <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031250 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One XXXX More Reports Missing | XXXX | The loan file did not contain the required credit report. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached Credit Report<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031250 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031251 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031251 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2031251 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | The guidelines indicate any Large Deposits, defined as any deposit representing more than XX% of the monthly average deposit balance which exceeds $XXXX, must be sourced/evaluated. The asset statements provided reflect an unsourced Large Deposit on XX/XX/XXXX (transfer from unsourced account) in the amount of $XXXX and $XXXX (transfer from unsourced account) on XX/XX/XXXX. Deducting these deposits would leave the borrower with no verified assets resulting in a total asset shortage of $XXX ($XXXX cash to close and reserves of $XXXX). | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached LOX<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Settlement statement and entity docs<br>| Response 1 (XX/XX/XXXX XXXX)<br> Settlement Statement and Entity Documents as referenced were not attached. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031251 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031249 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2031249 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Legal Description (Exhibit A) | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> MTG<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031249 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031249 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031247 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2031247 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Missing page 16 of the Loan Agreement. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2031247 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2031247 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2031248 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2031248 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2031248 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2031248 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2031246 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031246 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2031246 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. No more than one unit of a 2-unit or 3-unit property may be vacant at origination. The subject property located at XXXX is a XXXX unit property and both units are vacant. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached SLV<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Investor has approved to waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Investor approved to waive based on compensating factors. (Waived)<br>|  | Comp factors - FICO XXX. Reserves XXXX, DSCR XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2031246 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1695941 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XX% and the calculated APR XX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Cleared |  |  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 1695941 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within 3 days of the change, the increase to the following fees was not accepted as valid: Points increased on XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved |  | Response 1 (XX/XX/XXXX XXXX)<br> The loan reviewed contains a note dated more than 12 months old, outside the applicable statute of limitations.<br>|  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 1695941 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | According to guidelines all appraisals must be ordered through an approved XXXX. The subject appraisal was not ordered through an XXXX. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please waive this condition. <br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors: XXXX% DTI vs max 50% DTI; 10 months reserves vs 6 months required; 40 years at present address |  | 3 | 2 | 3 | 2 |
| XXXX | 1695941 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Pay Stubs Missing | XXXX | Borrower is self-employed and also receives self-employed wage income. A YTD paystub is required per the guidelines and was not provided. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Documents attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Still missing YTD paystub. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Investor request to waive based on compensating factors. (Waived)<br>|  | Comp factors - Low DTI of XXXX%, LTV under 80% at XXXX% and reserves of XXXX. |  | 2 | 2 | 3 | 2 |
| XXXX | 1695941 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Tax Return Documentation Incomplete | XXXX | The XXXX tax return extensions for 1040s, 1120, and 1065 not provided. An exception provided in the file. Waive extensions - alt doc/used XXXX income to qualify. | Waived |  |  |  | Compensating factors: XXXX% DTI vs max 50% DTI; 10 months reserves vs 6 months required; 40 years at present address |  | 2 | 2 | 3 | 2 |
| XXXX | 1695941 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Tax Transcripts Missing | XXXX | Borrower is self-employed. Tax Transcripts were not provided as required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Tax Transcripts attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1695941 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1906251 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 1906251 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Appraisal Missing | XXXX | The appraisal reflecting a value of $XXXX with a comparable rent schedule supporting market rents of $XXXX was not provided as required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 1906251 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at 2.5 or under to support the origination appraised value. A CDA and Field review were provided and do not support original appraised value of $XXXX. Appraisal also was not in file. Tape reflects the value of the Field Review for $XXXX is being used but guidelines do not speak to that being allowed. | Upheld | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Please note, per our Final Loan Approval, As-is value is supposed to be XXXX. XX% LTV<br>| Response 1 (XX/XX/XXXX XXXX)<br> Field Review of XXXX does not support the XXXX appraised value within 10%. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Securitizations require that the CDA support the appraised value. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Upon Senior Management review, for the lower of the valuation value to be used for LTV purposes it has to state this XXXX the guidelines per the rating agencies. If so, then would be graded an EV2. Client guidelines do not speak to using the lower of the valuation product value over the original appraisal when valuation does not support original appraisal. Remains Upheld. (Upheld)<br>|  |  |  | 3 | 3 | 3 | 3 |
| XXXX | 2024116 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Name Discrepancy | XXXX | The Entity Name is missing above and/or within the signature line on the Note and Note addendum-Prepayment Penalty. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Corrected Note<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2024116 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow borrower to proceed with purchase of subject property with having deed restrictions, it does not prevent foreclosures or resale in the event of foreclosure. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, five years at present address, excess reserves XXXX. plus. |  | 2 | 2 | 3 | 2 |
| XXXX | 2024116 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2027292 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027292 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027292 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027291 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027291 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027291 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 2.5. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027293 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027293 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027293 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1989443 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 1989443 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Notary Acknowledgment was not completed. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The commissioner of the court does not have an end date. Please see another commissioner deed that was completed with no end date listed<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Notary pg. uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The Notary section of the Mortgage is missing the day, month , and year the borrower personally appeared before the Notary. Please provide an updated Mortgage with the date of who appeared before the Notary initialed by the Notary XXXX a Scriveners Affidavit. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The notary page provided has been updated to disclose the date the notarization took place; however, the updates have not been initialed by the Notary. Please provide the Mortgage with the updates to the Notary section initialed by the notary. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1989443 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1989443 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2024115 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2024115 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | All guarantors are required to provide 1) limited application that includes name, address, date of birth, social security number, and citizenship, 2) authorization for credit report and 3) background check. The loan file is missing the required documentation for the non-borrowing guarantor XXXX. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> guarantor docs<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2024115 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception provided to allow investor concentration at XX% which is XX% over the maximum allowable concentration of XX%. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%, borrower has 3 investment properties. |  | 2 | 2 | 3 | 2 |
| XXXX | 2024115 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a condo conversion. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%, borrower has 3 investment properties. |  | 2 | 2 | 3 | 2 |
| XXXX | 2024115 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2024113 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024113 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to proceed with borrower living rent free and unable to verify two months rent. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICO XXX, Cash Back greater than XXXX months reserves excess. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024113 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024118 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024118 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024118 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 1998372 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement is missing pages 3 and 4. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> loan agreement<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1998372 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 1998372 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow for a mixed use property. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: Experienced investor, XXXXmos reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 1998372 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at 2.5 or under to support the origination appraised value. Secondary valuation product was not present in the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> exception<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Commercial Appraisal Clerical Review<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> CDA provided.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Due to securitization requirements, an exception cannot be applied. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> CDA provided and supports original appraised value. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2020207 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2020207 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2020207 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | The subject is a purchase with a loan amount of $XXXX. Guidelines state 12 months reserves are required for all loans over $XXXX. The borrower has only 10 months cash reserves. A lender Exception was provided for the insufficient cash reserves. Determined non-material based on compensating factors. (waived) | Waived |  |  |  | Compensating Factors: Borrower has a XXX credit score. The LTV is XX%. Borrower has over $XXXX XXXX residual income. |  | 2 | 2 | 2 | 2 |
| XXXX | 2020207 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a full second appraisal, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2029621 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2029621 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2029621 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2029624 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2029624 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2029624 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033570 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2033570 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033570 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024114 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024114 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024114 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2029623 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2029623 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2029623 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033573 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2033573 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033573 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2029622 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2029622 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required entity background search for the entity, XXXX, LLC, to include liens and judgments search. Additional conditions may apply.. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached is the background check for XXXX<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2029622 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to move forward with the current parcel ID that matches the other XXXX properties for this borrower. Determined non- material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXXX, fico score 40 points greater than minimum fico score, LTV is 10% less than maximum LTV, experienced investor. |  | 2 | 2 | 3 | 2 |
| XXXX | 2029622 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan filecontains a lender exception to move forward with sub 1.0 DSCR with properties being vacant. Brand new builds with construction just completed. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXXX, fico score 40 points greater than minimum fico score, LTV is 10% less than maximum LTV, experienced investor. |  | 2 | 2 | 3 | 2 |
| XXXX | 2029622 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2033571 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2033571 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2033571 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which did not support the original appraised value within -10%. Client used the lower value of the CDA for LTV/CLTV purposes which is allowed per their guidelines and rating agencies require this to be graded an EV2. | Cleared |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2024117 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2024117 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2024117 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2029626 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2029626 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The file contains a lender exception to move forward with current parcel ID matching other XXXX properties for this borrower. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICO XXX, LTV of XX% being 5% less than max LTV, |  | 2 | 2 | 2 | 2 |
| XXXX | 2029626 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The file contains a lender exception to proceed with DSCR <1 with property being vacant, new construction just completed. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICO XXX, LTV of X% being 5% less than max LTV, |  | 2 | 2 | 2 | 2 |
| XXXX | 2029626 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDA which supports appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2029627 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2029627 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2029627 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2020311 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2020311 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | The loan file is missing the required 1004 to validate that the required repairs have been made. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached 1004.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Please see attached exception.<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Client request to waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The Certification of Completion section is blank and repair photos were not provided. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Client request to waive based on compensating factors. (Waived)<br>|  | Comp factors - FICO XXX. reserves $XXXX, XXXX year credit history and no late pays & LTV XXXX%. Repairs minor and did not affect value. |  | 3 | 2 | 3 | 2 |
| XXXX | 2020311 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2024119 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024119 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024119 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024128 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024128 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file has a lender exception to allow gap for the title expiring, title dated XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%. years at present address 4, borrower has the same employment for five + years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024128 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024131 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024131 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow for two (2) months' reserves. XX guidelines require six (6) months' reserves with DSCR ratio over 1. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%. years at present address 4, borrower has the same employment for five + years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024131 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow gap for the title expiring, title dated XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%. years at present address 4, borrower has the same employment for five + years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024131 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024134 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024134 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file has a lender exception to allow gap for the title expiring, title dated XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%. years at present address 4, borrower has the same employment for five + years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024134 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024135 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024135 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow gap for the title expiring, title dated XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%. years at present address 4, borrower has the same employment for five + years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024135 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024132 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024132 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow gap for the title expiring, title dated XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%. years at present address 4, borrower has the same employment for five + years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024132 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024129 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024129 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file has a lender exception to allow gap for the title expiring, title dated XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%. years at present address 4, borrower has the same employment for five + years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024129 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan flie contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024133 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Missing the loan agreement. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> See attached for review<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2024133 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2024133 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2024130 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024130 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file has a lender exception to allow gap for the title expiring, title dated XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%. years at present address 4, borrower has the same employment for five + years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024130 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024144 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2024144 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2024144 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024144 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024146 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024146 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow gap for the title expiring, title dated XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%. years at present address 4, borrower has the same employment for five + years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024146 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024148 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024148 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow for two (2) months reserves. XXXX guidelines state six (6) months required. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%. years at present address 4, borrower has the same employment for five + years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024148 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow gap for the title expiring, title dated XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%. years at present address 4, borrower has the same employment for five + years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024148 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024149 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024149 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow gap for the title expiring, title dated XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%. years at present address 4, borrower has the same employment for five + years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024149 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024147 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024147 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow gap for the title expiring, title dated XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%. years at present address 4, borrower has the same employment for five + years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024147 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024151 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024151 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file has a lender exception to allow gap for the title expiring, title dated XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%. years at present address 4, borrower has the same employment for five + years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024151 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024145 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024145 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow two (2) months reserves. XXXX guidelines require six (6) months required with raio over 1. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%. years at present address 4, borrower has the same employment for five + years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024145 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file has a lender exception to allow gap for the title expiring, title-dated XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%. years at present address 4, borrower has the same employment for five + years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024145 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024150 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024150 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception provided to allow borrower that lives within 25 miles of subject and currently renting (waived). | Waived |  |  |  | Compensating factors: XXX FICO, excess reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2024150 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024153 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024153 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow for two (2) months' reserves. XXXX guidelines state six (6) months required. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%. years at present address 4, borrower has the same employment for five + years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024153 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file has a lender exception to allow gap for the title expiring, title dated XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%. years at present address 4, borrower has the same employment for five + years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024153 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan flie contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024157 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024157 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file has a lender exception to allow gap for the title expiring, title dated XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%. years at present address 4, borrower has the same employment for five + years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024157 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024158 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2024158 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2024158 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The appraisal SSR's are missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2024158 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The background check for XXXX is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2024158 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2029629 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2029629 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2029629 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024159 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024159 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024159 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033572 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement addendum is missing the lenders signature. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2033572 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached flood cert.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2033572 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2029628 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2029628 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required entity background search for the entity, XXXX, A protected Series of XXXXX LLC, to include liens and judgments search. Additional conditions may apply.. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> background<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2029628 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to move forward with the current parcel ID that matches the other XXXX properties for this borrower. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXXX, fico score 40 points greater than minimum fico score, LTV is 10% less than maximum LTV, experienced investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2029628 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2024160 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024160 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024160 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033575 | 1 of 8 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2033575 | 2 of 8 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Per the guidelines, SSRs are required for non-transferred appraisals. The file is missing the required documentation. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> SSR<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2033575 | 3 of 8 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines, a background search including a liens and judgments search is required on the entity. The file is missing the required documentation for XXXX LLC reflected on the Note as a borrower. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> background<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2033575 | 4 of 8 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report. The loan file is missing the required documentation for XXXX (50% ownership of XXXX). | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see the attached guarantor docs for XXXX.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2033575 | 5 of 8 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception for modification to entity's ownership structure after the initial application date. Determined non-material based on compensating factors (waived). | Waived |  |  |  | XXX score. XXX DSCR. Experienced Investor. |  | 2 | 2 | 3 | 2 |
| XXXX | 2033575 | 6 of 8 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | Per the guidelines, liability coverage in the minimum amount of $XXXX is required. The hazard policy reflects only $XXXX of liability coverage. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> dwelling liability coverage is XXXX we are good on coverage. replacement cost also attached to show we have enough coverage.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2033575 | 7 of 8 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | Subject loan is for a cash-out refinance. The appraisal and CDA reflect a value of $XXXX. The lender used a value of $XXXX, however, the file does not contain documentation to support the higher value. Using the appraised value, the LTV is XX% which exceeds the maximum allowed of XX% per the guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> exception<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  | XXX score. XXX DSCR. Experienced Investor. |  | 3 | 1 | 3 | 2 |
| XXXX | 2033575 | 8 of 8 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2024178 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XX% and the calculated APR XX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024178 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2024178 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Credit Report Fee paid to the Broker. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2024178 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender's Exception - Lender allowed the appraisal to be accepted without having the AMC company not approved by the Lender. Compensating factors deems as non-material. (waived) | Waived |  |  |  | Compensating factors - XXX months reserves, XXXX years self-employed, XXX mid score |  | 2 | 2 | 2 | 2 |
| XXXX | 2024178 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2020206 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2020206 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | The subject loan amount is $XXXX. Guidelines state 12 months reserves are required for loan amounts of over $XXXX. The borrower has 7.4 months reserves. A lender Exception was provided for the insufficient cash reserves. Determined non-material based on compensating factors. (waived) | Waived |  |  |  | Compensating Factors: The LTV is XXXX%. The borrowers have $XX XXXX residual income. |  | 2 | 2 | 2 | 2 |
| XXXX | 2020206 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a full appraisal, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024155 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement is missing the lenders signature and information. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2024155 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The loan file is missing the XXXX SSRs. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> SSRs and supporting documents<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2024155 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the background check for the entity, XXXX, LLC. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Entity UCC search<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2024155 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for less than 12 month history of owning a vacation rental. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICOs XXX/XXX, Long Term Rental experience |  | 2 | 2 | 3 | 2 |
| XXXX | 2024155 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for modification to an entity's structure after the application date. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICOs XXX/XXX, Experienced Investor, 12+ months reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2024155 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2024156 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement and exhibit A were missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Please see the attached Agreement with Exhibits<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The lender executed pg. 12 of the loan agreement has been provided; however, the borrower executed loan agreement and exhibit A to the agreement are missing. Please provide complete loan agreement for review. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2024156 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship and 2) An authorization to obtain a credit report and background. The file is missing the required documentation for XXXX (50% ownership of LLC). | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached are the guarantor docs for XXXX<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Attached is the No Hit for XXXX<br>| Response 1 (XX/XX/XXXX XXXX)<br> Still missing lien/judgement search for XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2024156 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The file contains a lender exception to allow XX% LTV with XX% investor concentration and proceed with HOA questionnaire as is. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factor: FICO XXX, assets exceed required reserves by 6+ months, borrower has lived XXXX primary for 5+ years |  | 2 | 2 | 3 | 2 |
| XXXX | 2024156 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2024154 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement is missing the lenders signature and information. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024154 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024154 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033574 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2033574 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow 95 days for credit report. XXXX Guidelines credit report only good for 90 days. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: DSCR XXXX%, borrower has investment experience as she currently owns two investment properties for over 3 years and over $XXX XXXX excess reserves. |  | 2 | 2 | 2 | 2 |
| XXXX | 2033574 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow borrower to purchase investment property within 25 miles of their primary (rental) allow 10 months canceled checks. XXXX guidelines borrower to have history of owning 1 rental property within 25 miles of home when they do not own primary 12 months cancelled checks. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: DSCR XXXX%, borrower has investment experience she currently owns two investment properties for over 3 years and over $XXX XXXX excess reserves. |  | 2 | 2 | 2 | 2 |
| XXXX | 2033574 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2033576 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2033576 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: Page 1 of the PUD rider is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> ATTACHED<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2033576 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow the borrower to purchase an investment property within 25 miles of their primary (rental) allow 10 months cancelled checks. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: DSCR XXXX% excess reserves $XXX, borrower has investment experience as she currently owns two investment properties for over 3 years. |  | 2 | 2 | 3 | 2 |
| XXXX | 2033576 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020317 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Non-Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XX% and the calculated APR XX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a non-compliant HPML. Appraisal requirements have not been met. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> proof of delivery<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2020317 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State HPML | XXXX | This loan failed the XX AB 260 higher-priced mortgage loan test. (XX AB 260, XXXX Financial Code Division 1.9 4995(a)). Using the greater of the disclosed APR XX% and the calculated APR XX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a non-compliant HPML. Appraisal requirements have not been met. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> app delivery proof<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2020317 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2020317 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2020317 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Miscalculated/DTI Exceeds Tolerance | XXXX | The loan was approved with monthly income of $XXXX and a DTI of XX%. The guidelines state the 12 month bank statement program is subject to an expense factor. The lender stated no expense factor was used. Utilizing the required XX% expense decreases the monthly income to $XXXX and increases the DTI to an excessive XX%. | Void | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Subject file was reviewed as Business Bank statement loan and should be Personal Bank statements therefore expense factor does not apply.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Upon further review subject loan income has been recalculated using the personal bank statements and DTI is XXXX% and within guidelines. (Void)<br>|  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020317 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The guidelines state the 12 months bank statement program requires 2 years of self-employment. The borrower has only been self employed for 15 months. A lender exception was provided to allow for the missing 2 years self-employment history. Due to a miscalculation of income, the DTI increased from XX%, to XX%. The exception is invalid. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> exception for work history. <br>| Response 1 (XX/XX/XXXX XXXX)<br> Income has been recalculated using personal bank statements and DTI is within guidelines therefore Lender Exception is valid. (Waived)<br>|  | Compensating Factors: Borrower living XXXX subject for XXXX years. Borrower had a verified DTI of XXXX%. |  | 3 | 2 | 3 | 2 |
| XXXX | 2020317 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2024161 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024161 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024161 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024167 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024167 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024167 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024164 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024164 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024164 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024168 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024168 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024168 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024165 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2024165 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is not signed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2024165 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, SSRs are required. The file is missing the required documentation. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2024165 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2029630 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> page 12 of XXXX<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. Pg. 11 of the loan agreement has been provided; however, the lender executed pg. 12 of the loan agreement has not been provided. Please provide executed Loan Agreement for review. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2029630 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per guidelines if the appraisal is in XXXX LLC's name the XXXX, and XXXX SSR's are required, regardless of property type but the reports are not in the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> ssr<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2029630 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2024163 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement addendum is missing the lenders signature. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024163 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024163 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024162 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2024162 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | A total of $XXXX is required to be verified in reserves. The loan file contains asset documentation confirming $XXXX in assets. The borrower is short reserves by $XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> We used proceeds from cashout for reseves.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2024162 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the Certificate of Good Standing. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2024162 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2024169 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024169 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains an exception for 1st time investor to purchase STR. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: DSCR greater than XXXX, LTV 5% less than max LTV, Assets exceed 11 mons reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2024169 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains an exception for a XXX to purchase a STR, XXX minimum required. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: DSCR greater than XXXX, LTV 5% less than max LTV, Assets exceed 11 mons reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2024169 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2029619 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD/Payee Not Listed | XXXX | The loan contains the following fee or fees where 'compensation to' does not reflect a Payee on the revised CD issued XX/XX/XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2029619 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | The loan failed the Initial Closing Disclosure delivery date test due to the following: The Initial Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> CD issued on XX/XX/XXXX uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2029619 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Appraisal Fee, Transfer Taxes, and Administrative fees on the CD issued XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> See attached COC provided by client <br>Rebuttal 4 (XX/XX/XXXX XXXX)<br> See Attached documentation for cure <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The Initial CD issued on XX/XX/XXXX has been provided and updated testing results XXXX a 0% tolerance violation. The following fees changed on the CD issued XXXX XX/XX/XXXX without a valid COC. Therefore, the increase to the following fees was not accepted: Appraisal Fee and Transfer Taxes on the CD issued XX/XX/XXXX. A cost to cure XXXX the amount of XXXX is required. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. A CD issued on XX/XX/XXXX has been provided and a COC issued on XX/XX/XXXX. The COC is not considered valid without more details. The COC for the increased Appraisal fee does not say why the Appraisal fee increase, please say what caused the fee to increase to determine if it is a valid reason. The COC also says Title Fees increased. The CD issued on XX/XX/XXXX discloses the addition of Transfer Taxes; however, the Purchase Contract was signed by the Borrower on XX/XX/XXXX and lender should have known at time of application on XX/XX/XXXX that Transfer Taxes were to be paid by Buyer and disclosed on the LE issued on XX/XX/XXXX. A cost to cure XXXX the amount of XXXX is required. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2029619 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Property Type | XXXX | The appraisal state the subject property is a XXXX acre rural property. The guidelines state rural property with over 10 acres are ineligible. A lender exception was provided to allow for the rural property and excessive acreage. Determined non-material based on compensating factors. (Waived) | Waived |  |  |  | Compensating Factors: Borrowers have an XXX credit score. LTV XX%. Borrower has more than 12 months reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2029619 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2024172 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024172 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception for a purchase from a family member, guides require full doc only, exception to go DSCR. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXX FICO w/ 15+ yr credit history. 12 months reserves, DSCR greater than XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2024172 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains an exception for the purchase of a rural property on DSCR which is full doc only per guidelines. Determined non-material based on compensating factors (waived), | Waived |  |  |  | Compensating Factors: XXX FICO w/ 15+ yr credit history. 12 months reserves, DSCR greater than XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2024172 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024171 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024171 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024171 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033578 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2033578 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2033578 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2033578 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2037711 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2037711 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required XXXX and XXXX SSR's per XXXX guidelines. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached is the SSR report<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2037711 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2024175 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2024175 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | Missing required 1004D to validate required repairs have been completed. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached are pics and LOE showing proof of stove working<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2024175 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2029631 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2029631 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guidelines require all cash out refinance transactions with an LTV greater than 70% to have a completed ACH form. Subject closed at 75% LTV and no completed ACH form was provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2029631 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | According to guidelines liability coverage equal to $XXXX is required. The hazard policy provided for our review does not reflect liability coverage. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please note the liability coverage is at XXXX<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2029631 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2029632 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2029632 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The required appraisal SSR's are not in the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> SSR<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2029632 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2033577 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2033577 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033577 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037712 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2037712 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037712 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024173 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2024173 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The loan file is missing the XXXX/XXXX SSRs. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached SSRs.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2024173 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing a background search to include judgment and lien search for the borrowing entity XXXX LLC, per guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached search for SUD.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2024173 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2024174 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not completed by the Notary. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> XXXX signed by notary and lender<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2024174 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2024174 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the Business Purpose and Occupancy Affidavit. Page 1 is copied over and not legible. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> occupancy affidavit attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2024174 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2024170 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2024170 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Per guidelines if the appraisal has not been transferred the XXXX, and XXXX SSR's are required, but the reports are not in the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached are the SSR reports<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2024170 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file appears to contain an exception for the hazard not including 6 months rental loss, has enough in assets to cover. Deemed non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: High FICO XXX, >24 months reserves, experienced 3 rentals |  | 2 | 2 | 3 | 2 |
| XXXX | 2024170 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2029633 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2029633 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2029633 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The XXXX SSR is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> ssr<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2029633 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2033605 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2033605 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2033605 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Property Type | XXXX | Lender's Exception - Lender allowed the subject property to be located in a rural area. Compensating factors deems as non-material. (waived) | Waived |  |  |  | Compensating factors - XXXX months reserves, XXX mid score, XXXX residual income |  | 2 | 2 | 2 | 2 |
| XXXX | 2033605 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Verification Documentation - VOE Self-Employed/Missing | XXXX | Lender's Exception - Lender allowed the borrower's business not to be verified by a third-party as required. Compensating factors deems as non-material. (waived) | Waived |  |  |  | Compensating factors - XXXX months reserves, XXX mid score, XXXX residual income |  | 2 | 2 | 2 | 2 |
| XXXX | 2033605 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024176 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024176 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024176 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024104 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2024104 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Cash-Out, Delayed Financing | XXXX | Subject property was purchased for cash on XX/XX/XXXX. The loan transaction was completed as delayed financing. Per the guidelines, the maximum LTV is to be based upon the lower of the current appraised value or the total cost of the property (purchase price + settlement costs + any improvements made after purchase). The file is missing the costs of improvements to calculate the maximum LTV. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> exception<br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | XXX score. XXXX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2024104 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2024109 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement is missing the lenders signature and information. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2024109 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report 3) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for XXXX (25% ownership of LLC) and XXXX (25% ownership of LLC). | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Samuel Patterson's qualifying credit score was below the 660 minimum. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | XXX Borrower score. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2024109 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2037713 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2037713 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2037713 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The loan file is missing the required XXXX and XXXX SSR's per XXXX guidelines. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached SSRs. <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2037713 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The Lender's Guidelines required a background check on the entity that included a lien and judgement search. The loan file contained a business search but this search did not contain a lien and judgement search. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached UCC Search.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2037713 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2037714 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement is missing Exhibit A. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached is Exhibit A<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2037714 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2037714 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2037714 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2033579 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2033579 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033579 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024107 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024107 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024107 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024111 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement is missing the lenders signature and information. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2024111 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, a criminal history is required to be obtained on the borrower. The file is missing the required documentation. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation not received.<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2024111 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report 3) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for XXXX (25% ownership of LLC), XXXXX, and XXXX (25% ownership of the LLC). | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> XXXX qualifying credit score is below the 660 minimum. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | XXX Borrower score. Experienced Investor. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2024111 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2024108 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024108 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024108 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024106 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2024106 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The borrower received gift funds in the amount of $XXXX. Gift funds are permitted after a minimum 10% borrower contribution. The loan file is missing assets to confirm ten percent (10%) contribution made by the borrower from their own funds. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> please see attached - borrower is also listed on the bank account <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2024106 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan fileis missing the liability coverage. XXXX guidelines state borrower is required to obtain liability coverage equal to $XXXX. The hazard insurance policy provided does not reflect any liability coverage. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2024106 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2024177 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2024177 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2024177 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Insufficient Documentation | XXXX | Per Lender's guides, the borrower is required to verify 2 years history of 1099 income. However, Lender allowed the borrower with 11 months history of 1099 income. Compensating factors deems as non-material. (waived) | Waived |  |  |  | Compensating factors - XXX mid score, XXXX residual income per month, 12 months reserves. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024177 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024179 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XX% and the calculated APR XX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2024179 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2024179 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2024179 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - DTI | XXXX | The subject loan does not meet Investor Program Parameters for DTI. The Maximum allowed DTI for a First Time Homebuyer was XX%. The loan file contained an Exception for DTI up to XX%; However, the subject loan was approved at XX%, in excess of the guideline and the Exception. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> exception<br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | XX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2024179 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020202 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2020202 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Appraisal Fee and Credit Report Fee. However, these fees should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2020202 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The borrower has been employed as a 1099 employee since XX/XX/XXXX. Guidelines require 1099 employees to be employed for 2 years. A lender Exception was provided for the borrower to be in the same line of work for 10 months. Determined non-material based on compensating factors. (waived) | Waived |  |  |  | Compensating Factors: Credit score of XXX. Borrower has over XXXX months cash reserves. |  | 2 | 2 | 2 | 2 |
| XXXX | 2020202 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2033581 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2033581 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033581 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024110 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024110 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024110 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024105 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2024105 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing a background check for XXXX LLC per guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see the attached<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Please see the attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Please provided the No Hit results. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2024105 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2029635 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2029635 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow financing for a new project with >20% of the total units (currently) 60 days past due (XX%). XXXX guidelines state no more than 20% of the total units in a project may be 60 days + past due on the condominium/HOA fees. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: Fico score XXX, borrower has lived at primary residence for 10+ years, borrower has ten + years credit history. |  | 2 | 2 | 2 | 2 |
| XXXX | 2029635 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan filecontains a lender exception to allow a borrower (with previous experience LTR experience) to purchase a STR (subject is part of a 1031 exchange previous rental sold XX/XX/XXXX with not having recent STR management experience. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: Fico score XXX, borrower has lived at primary residence for 10+ years, borrower has ten + years credit history. |  | 2 | 2 | 2 | 2 |
| XXXX | 2029635 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2029634 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2029634 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2029634 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024120 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024120 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024120 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024125 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024125 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The file contains a lender exception for borrower living rent free within 25 miles of subject. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICO XXX is 40 points > than minimum required, LTV is 10% less than max LTV, Assets exceed required reserves by more than 12 months. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024125 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024122 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2024122 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | The loan require 6 mos PITIA ($XXXX) to be held in reserves as well as funds to close from the borrower of $XXXX totaling $XXXX. Assets provided of $XXXX leave a shortfall of $XXXX. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Request to revisit condition. XX account XXX exceeds requirements. I have reuploaded to previous statements including XXXX<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Request to revisit Funds to close as of now : XXXX PITIA for the loan as of now : XXXX 6-month reserves of PITIA : 6,XXXX Total assets to be verified : XXXX + 6,XXXX = XXXX Total assets verified = XXXX (from borrower's personal checking a/c XX #XXXX as of XX/XX/XXXX valid till XX/XX/XXXX) Asset Requirement : XXXX Asset verified : XXXX --------------------------------------------- Excess Assets : XXXX <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Attached is the exception for XXXX<br>| Response 1 (XX/XX/XXXX XXXX)<br> Account statements provided are prior to the most recent statement that creates the shortfall. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Available assets of XXXX reflected XXXX rebuttal are not accurate. Those assets are from #XXXX dated XX/XX/XXXX. Assets XXXX file from #XXXX dated XX/XX/XXXX are only XXXX. Shortage stands. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors: XXX FICO, Experienced investor |  | 3 | 2 | 3 | 2 |
| XXXX | 2024122 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow more than 20% of units being 60 days + delinquent on HOA dues. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXX FICO, Experienced investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2024122 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2024124 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024124 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024124 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024180 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XX% and the calculated APR XX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2024180 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2024180 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Credit Report Fee paid to the Broker. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2024180 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Credit Score | XXXX | The borrower's credit scores are below the minimum of XXX as stated in the guidelines. The primary borrower has a credit score of XXX. A lender Exception was provided to allow for the XXX credit score. Determined non-material based on compensating factors. (waived) | Waived |  |  |  | Compensating Factors: Borrower is 0x30 on prior mortgage. Borrower has $XX XXXX residual income. |  | 2 | 2 | 3 | 2 |
| XXXX | 2024180 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Verification Documentation - VVOE Salaried/Missing | XXXX | The file is missing the required VVOE within 10 days of the note to verify the co-borrowers employment with the XXXX. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> exception<br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | XXXX per month residual income. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2024180 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2029636 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2029636 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2029636 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2029637 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2029637 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to proceed with the purchase of STR with borrower not having STR experience. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Bwr has lived XXXX primary for 5+ years, FICO XXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2029637 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2029638 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2029638 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2029638 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2029638 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2029639 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2029639 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2029639 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2029639 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024126 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024126 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024126 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraisal value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024103 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024103 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024103 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024123 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement is missing the lenders signature and information on page 12. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024123 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024123 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037717 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2037717 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2037717 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2029642 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2029642 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The file contains a lender exception for Operating Agreement amendment post application. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Factors: FICO XXX, experienced investor, repeat AHL investor |  | 2 | 2 | 2 | 2 |
| XXXX | 2029642 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024112 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2024112 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The background check for XXXX is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Background check for XXXX provided<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Attached is the No Hit report for XXXX<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Please see the No Hit for XXXX<br>| Response 1 (XX/XX/XXXX XXXX)<br> Please provide the No Hit results. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Please provide No Hit results for XXXX. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Please provide No Hit results for XXXX. (Upheld)<br>Response 4 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2024112 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2024127 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024127 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024127 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024121 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Exhibit B of the Loan Agreement is missing the date of execution. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached is the exhibit<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2024121 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2024121 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2024121 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2033580 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2033580 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033580 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024136 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2024136 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024136 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2029640 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2029640 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2029640 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037716 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2037716 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains an exception for a loan amount of $XXXX, minimum is $XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICO 40 points greater than min, Assets exceed reserve requirement by 12 mons. |  | 2 | 2 | 2 | 2 |
| XXXX | 2037716 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024139 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement is missing the lenders signature and information. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2024139 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guidelines require the hazard insurance policy include rent loss coverage equal to 6 months of qualifying rent. Insurance provided does not reflect rent loss coverage. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> borrower has enough XXXX reserves to cover. per guideline we can use proceeds and reserves. <br>| Response 1 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2024139 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2037744 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XX% and the calculated APR XX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2037744 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2037744 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Appraisal Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2037744 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | A lender Exception was provided as rural properties require management review which is allowing to proceed with 2 comps less than 5 miles from subject. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Borrower has a XXX credit score. Borrower is XXXX on mortgage history. |  | 2 | 2 | 2 | 2 |
| XXXX | 2037744 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Lender exception provided to accept the Accessory Dwelling Unit as is. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: FICO score, stable employment history. |  | 2 | 2 | 2 | 2 |
| XXXX | 2037744 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024138 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2024138 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2024138 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The SSR's are missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2024138 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | Guidelines require liability coverage equal to $XXXX. The insurance provided in the loan file for our review did not reflect any liability coverage. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2024138 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2037715 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2037715 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2037715 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024140 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024140 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The file contains a lender exception for less than 6 months seasoning for a cash-out refinance transaction. Determined non-material based on compensating factors (waived). . | Waived |  |  |  | Compensating Factors: FICO XXX, DSCR XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2024140 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2024137 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024137 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow a cash out refi with less than 6 months ownership. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXX FICO, 27 mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2024137 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2029641 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2029641 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | Security Instrument - Incomplete. The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page 1 of the 1-4 Family Rider was cutoff and does not show the full page. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> family rider<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2029641 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow for a property with multiple ADU's. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXX FICO, 24 mos reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2029641 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2033582 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2033582 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file contains the evidence of property insurance for the subject property; however, it is missing details needed to verify the liability insurance is equal to or greater than $XXXX and rent loss coverage equal to 6 months of qualifying rent. The hazard insurance policy that contains the policy details or verifying documentation is needed to verify the guideline requirement has been met. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached is the insurances that have enough coverage. . ...borrower has enough reserves/cash out to cover the rent loss coverage.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Explanation and documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2033582 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2024152 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024152 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception for less than 6 months seasoning on a cash-out refinance. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: DSCR XXXX, XXX FICO |  | 2 | 2 | 2 | 2 |
| XXXX | 2024152 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2037718 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2037718 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037718 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024141 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2024141 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | An approved loan exception is in the loan file to use the higher of lease amounts without evidence of receipt for transferred leases with purchase. Compensating factors deem non-material (waived). | Waived |  |  |  | Compensating Factors: FICO score of XXX, XXXX months reserves. |  | 2 | 2 | 2 | 2 |
| XXXX | 2024141 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2029643 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2029643 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2029643 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024143 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2024143 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | All guarantors are required to provide 1) A limited application that includes their name, address, date of birth, social security number, and citizenship. 2) An authorization for a credit report and background report. 3) Identification documentation must be provided as in a driver's license, passport, or similar. The loan file contains Identification documentation; however, none of the other required documents were provided for the non borrowing guarantors XXXX and XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> guarantor docs<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2024143 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2033584 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2033584 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The background check for XXXX is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> background<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2033584 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception as the borrower lacks a 12month history of real estate ownership. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXX FICO, 38 mos reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2033584 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2037720 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2037720 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037720 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2029644 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2029644 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception for the subject being listed for sale in the past 90 days and wants a cash out refinance. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICO 40 points higher than minimum, The DSCR is greater than XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2029644 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains an exception for a rural property which is not allowed per guidelines. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICO 40 points greater than minimum, DSCR greater than XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2029644 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2037721 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2037721 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2037721 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2037719 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2037719 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2037719 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2033583 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement addendum is missing the lenders signature. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2033583 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for extension of expired appraisal. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICO XXX, Experienced Investor |  | 2 | 2 | 2 | 2 |
| XXXX | 2033583 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2033585 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2033585 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required background check which includes judgment and liens search on the entity, XXXX, LLC, per XXXX guidelines. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2033585 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required XXXX and XXXX SSR's per XXXX guidelines. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2033585 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2037722 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2037722 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037722 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033588 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2033588 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2033588 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2033588 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2033586 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2033586 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with the Title. The Vested Interest on the Security Agreement reflects XXXX; however, Title reflects current Vested Interest as XXXX. The Loan File did not contain a transfer deed to support the change in Vested Interest. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please note the updated title commitment. The name XXXX XXXX XXXX LLC was a clerical error that has been corrected. The vesting is correct. <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2033586 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report. The loan file is missing the required documentation for XXXX (51% ownership of LLC). | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2033586 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2029645 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2029645 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Other | XXXX | The guidelines indicate eligible assets should be supported by two consecutive months of bank statements, dated within 90 days of the loan note date. The loan file is missing an additional bank statement for XXXX #XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached are the XXXX and XXXX statements<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2029645 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2037724 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2037724 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Verification Documentation - VOR | XXXX | The final loan application reflects the borrower's primary residence is rented. Per the guidelines a 12 month rental payment history/VOR is required. The verification of rents verifying the borrower's rental history is missing from the loan file. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> exception<br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | XXX score. XXXX% LTV. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2037724 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2033587 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2033587 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033587 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2024142 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2024142 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | A personal Guaranty is required from one or more owners representing a majority ownership interest and any individual whose assets were used to qualify for the loan. (51% or more). The following are missing for XXXX 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization for a credit report and background report. 3) Identification documentation must be provided as in a driver's license, passport, or similar | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> all guarantor docs including background <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2024142 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2029648 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2029648 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing a liens and judgements background check for XXXX LLC, per guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> background<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2029648 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2033590 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Exhibit B to the Loan Agreement is missing the execution date. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2033590 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2033590 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2033590 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2037723 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2037723 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | A personal Guaranty is required from one or more owners representing a majority ownership interest and any individual whose assets were used to qualify for the loan. (51% or more). The following are missing for XXXX 1) A limited application that includes their name, address, date of birth, social security number, and citizenship. 2) An authorization for a credit report and background report. 3) Identification documentation must be provided as in a driver's license, passport, or similar | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached guarantor docs.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2037723 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2033589 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2033589 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception provided to allow XXXX square foot condo when minimum square footage is 500. Deemed non material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors – Assets exceed required reserves by XXXX months; FICO score is 40 points greater than minimum requirement; Borrower has XXXX investment properties |  | 2 | 2 | 2 | 2 |
| XXXX | 2033589 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception provided to allow use of transferred appraisal that is in the non borrowing entity member name and does not reflect borrowing member or borrowing entity. Deemed non material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors – Assets exceed required reserves by 6 months; FICO score is 40 points greater than minimum requirement; Borrower has 3+ investment properties |  | 2 | 2 | 2 | 2 |
| XXXX | 2033589 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The maximum LTV for a condo project over XX% and up to XX% investor concentration is XX%. Lender exception provided to allow for a XX% LTV-plus stacking fees included for a max XX%. Deemed non material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors – Assets exceed required reserves by 6 months; FICO score is 40 points greater than minimum requirement; Borrower has 3+ investment properties |  | 2 | 2 | 2 | 2 |
| XXXX | 2033589 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2037725 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2037725 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2037725 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Per the guidelines, SSRs are required for non-transferred appraisals. The file is missing the required documentation. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached SSRs.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2037725 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines, a background search including a liens and judgments search is required on the entity. The file is missing the required documentation for XXXX LLC. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached no hit search for Real Signature<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2037725 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The file contains a lender exception for no STR history. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICO XXX, Experienced Investor currently owning 3+ investment properties, property XXXX great location |  | 2 | 2 | 3 | 2 |
| XXXX | 2037725 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2033591 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2033591 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Notary section on the Loan Agreement was completed incorrectly. It was not marked in the correct spot whether the borrower appeared before them personally or remotely online, and the date that the borrower appeared. Additionally, where it states the borrower name should reflect the notary name. It states that XXXX appeared before XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached Note with corrected Notary.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2033591 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The Notary section was completed incorrectly. It was not marked in the correct spot whether the borrower appeared before them personally or remotely online, and the date that the borrower appeared. Additionally, where the notary name is crossed out and the borrower's name is added instead is incorrect. This should reflect the Notary name as originally listed. Notary to initial changes made. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached Mortgage with corrected notary<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2033591 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2033591 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2033592 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2033592 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033592 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037726 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2037726 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2037726 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Per the guidelines, SSRs are required for non-transferred appraisals. The file is missing the required documentation. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> ssr<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2037726 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2037727 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2037727 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037727 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037728 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2037728 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | Funds required for closing were $XXXX ($XXXX EMD + POC $XXXX + $XXXX funds due at closing + $XXXX reserves). Assets were verified in the amount of $XXXX (XXXX acct XXXX). The file contains a XXXX statement for account XXXX with a balance of $XXXX in which the lender included in qualifying assets. The account is in the borrower's spouse's name. Per the guidelines, to use the account as qualifying assets, it must be a joint account with the borrower, or the owner of the account must be a member of the LLC and a guarantor. The account is only in the spouse's name and the spouse did not sign as a guarantor. As a result, the borrower is short reserves in the amount of $XXXX. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> exception<br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | XX% LTV. Experienced Investor. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2037728 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2037729 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2037729 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Other | XXXX | There are additional asset findings. The XXXX assets are in the name of XXXX LLC; however, there is nothing in the loan file that verifies XXXX has ownership interest in the business including the percentage of ownership. Without these funds, the borrower is short funds to close in the amount of $XXXX and reserves of $XXXX for a total asset shortage of $XXXX. The account in the XXXX account amount to $XXXX. Total funds required to close $XXXX, EMD of $XXXX (which also came from the XX account), POC $XXXX, and reserves $XXX for a total required assets of $XXXX. Without the XXXX account, total assets verified are $XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Document provided to tie borrower to other entity the assets are XXXX the name of. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2037729 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains an exception for first time short term rental investor purchase. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Experienced LTR investor, owns 2 rentals |  | 2 | 2 | 3 | 2 |
| XXXX | 2037729 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2037730 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2037730 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2037730 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2033594 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following sections of the note are incomplete: The loan agreement addendum is missing the lenders signature. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2033594 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing a liens and judgements background check for XXXX LLC per guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2033594 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | 12 months reserves were required to meetthe conditions of the lender exceptions provided, however reserves and assets used to qualify were insufficient. In addition, the XXXX asset printouts were missing the date, confirming thecurrent balance. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2033594 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for appraisal acceptance as-is. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICO XXX, Reserves Exceed 12 months |  | 2 | 2 | 3 | 2 |
| XXXX | 2033594 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for less than 12 months ownership of primary residence. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICO XXX, Reserves Exceed 12 months |  | 2 | 2 | 3 | 2 |
| XXXX | 2033594 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2037733 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2037733 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037733 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033593 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2033593 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033593 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037732 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2037732 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037732 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037731 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2037731 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037731 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033595 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2033595 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per guidelines if the appraisal is in XXXX LLC's name the XXXX, and XXXX SSR's are required, but the reports are not in the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> ssr<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2033595 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2037734 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2037734 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037734 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033597 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2033597 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Fema Declaration declared XX/XX/XXXX, for XXXX Severe Storms, Straight-line Winds, Tornadoes, and Flooding (DR-4877-XX), with an incident period of XX/XX/XXXX. Guidelines require an inspection after the incident date and our appraisal is dated the same date XX/XX/XXXX. Please provide a Property Inspection to confirm no damage. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2033597 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2029646 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2029646 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2029646 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037735 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2037735 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037735 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2029647 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2029647 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2029647 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033606 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Non-Compliant | XXXX | Using the greater of the disclosed APR XX% and the calculated APR XX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a non-compliant HPML. There is no evidence that the appraisal report was provided to the borrower at least 3 days prior to consummation. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> appraisal delivery within 3 days<br>| Response 1 (XX/XX/XXXX XXXX)<br> The loan is a compliant Federal HPML, Appraisal requirements have been met. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2033606 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2033606 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2033606 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that support the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2037736 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2037736 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037736 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037738 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2037738 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037738 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033596 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2033596 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2033596 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037740 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2037740 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The appraisal listed the property as legal non-conforming zoning. The appraisal did not contain verbiage indicating that the improvements could be rebuilt if destroyed by fire or other hazard, and specifically stated that the appraiser did not comprehensively examine zoning. This verbiage was required by guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please refer to p.27.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> The update from XX does correctly note that there arelimitations on when a property can be rebuilt if more than XX% has been destroyed. However, I believe XXXX this case the statute allows the rebuild here.Part D item 3 states it cannot be rebuilt if over XX% is destroyed unless itmeets all requirements XXXX XX. I read the below verbiage to state that we can rebuild even if more than XXXX% is destroyed if we comply with this section. Ihave pasted the section XXXX its entirety and highlighted what I believe are thecontrolling sections.<br>| Response 1 (XX/XX/XXXX XXXX)<br> It appears the subject cannot be rebuilt if over 75% of the structure is destroyed. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Upon review of provided Code XXXX Ordinances property can be rebuilt based on meeting specifications on the Code of Ordinance. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2037740 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2037742 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2037742 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report 3) Identification documentation as in a driver's license, passport, or similar. The file is missing the required documentation for XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Still missing lien/judgement searches for XXXX. She is only a Loan Participant on the Drive Report provided. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2037742 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2037739 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2037739 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2037739 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2036249 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2036249 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2036249 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2036253 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The top of page 1 wasn't circled as required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please note this was corrected prior to recording. Also, please note I was unable to upload the whole mortgage due to size restrictions. Attached is page 1.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2036253 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2036253 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2036250 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | New finding based on rebuttal documents provided. The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 4 | 2 |
| XXXX | 2036250 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing | XXXX | The Security Instrument (Mortgage/Deed of Trust) is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>|  |  |  | 4 | 1 | 4 | 2 |
| XXXX | 2036250 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 2 |
| XXXX | 2036250 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 2.1. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 2 |
| XXXX | 2027294 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027294 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027294 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2036252 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2036252 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2036252 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2036247 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The Security Instrument was not completed accurately. The loan is a 40 year fixed Close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 4 | 2 |
| XXXX | 2036247 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Borrower Info | XXXX | The borrower's name on the appraisal does not match other loan file documentation. The appraisal reflects a borrower name of XXXX. The note reflects a borrower name of XXX, LLC by XXXX, sole member. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Updated appraisal attached.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Attached.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Borrower name is still incorrect on the appraisal. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 4 | 1 | 4 | 2 |
| XXXX | 2036247 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 2.5. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 2 |
| XXXX | 2027295 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2027295 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Missing the OFAC searches for XXXX and XXXX as required per guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2027295 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.1. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2036245 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Flood Insurance Required | XXXX | The loan was subject to Flood Insurance and the file contains no evidence that the Flood Hazard Notice was provided to the borrower. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2036245 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. The loan file contains an appraisal update report for an appraisal performed on XX/XX/XXXX and transferred to the lender with an appraised value of $XXXX; however, the actual appraisal report is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2036245 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The loan file is missing the 1007 market rent analysis from the appraisal. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2036245 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Cash to Close | XXXX | The file did not containevidence the borrower had the proper amount of funds required to close. The borrower was required to evidence $XXXX in reserves. This is inaddition to the requirement of $XXXX in funds to close. Therefore, the borrower was required to evidence a totalof $XXXX in funds for the subject transaction. The loan file contained no evidence of assets. As a result, there is a $XXXX shortagein verified assets. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Assets attached. XXXX Bank Checking: XXXX and Escrow Acct: XXXX<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Funds XXXX question sourced. Escrow deposit letter and wire out attached which matches the original lender on the promissory Note.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Escrow funds held were not sourced. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2036245 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing required STR Documents | XXXX | Missing required short term rental docs per guidelines. The loan file does not contain any evidence of a lease or short term rental documentation. The application reflects that the property is a short-term rental; however, the 1007 comparable rent form was missing from the loan file which typically includes comments from the appraiser on the subject's current rental information. The appraisal indicates that the property is tenant occupied and photos do not accurately reflect the status of a short-term rental, with personal items about the property and in the closets. Short-term rental documentation or a lease is required for a tenant occupied property in a DSCR program is required. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> 1007 rents were used for qual and adjusted accordingly to guidelines. Verification of actual rents received should only be required if qualifying rents is greater than 1007.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Still missing 12 months of STR rent receipts. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Explanation and documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2036245 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2027296 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: page 23 is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2027296 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The Articles of Organization/Formation and current Operating Agreement are required and not in the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2027296 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2036246 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2036246 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Property Type | XXXX | The subject loan does not meet Program Parameters for Property Type. The guidelines require a minimum 700 square feet gross living area (GLA). The subject property consisted of only XXXX sq. ft. GLA. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Subject property SQFT was reviewed and approved by underwriter and credit committee. Small square foot properties do not appear to be an anomaly for this market area and Rental comp 2 is less than 1 mile away with similar SQFT.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Investor has approved to waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Investor exception required. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Investor approved to waive based on compensating factors. (Waived)<br>|  | Comp factors - XX% LTV, No tradelines lates XXXX last 24 months and reserves of XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2036246 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 2.2. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2027297 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Flood Insurance Required | XXXX | The loan was subject to Flood Insurance and the file contains no evidence that the Flood Notice was provided to the borrower. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2027297 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One XXXX More Reports Missing | XXXX | Not all required credit reports are within the file. The credit report is missing as required by guides for the co-borrower XXXX. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please note XXXX is not a XXXX borrower. They are a Non Qualifying Guarantor and signed the Note as a member under the true borrower XXXX. Application/Credit report not required.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Client approval to waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Individuals that sign the Note are borrowers. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Client has approved to waive based on compensating factors. (Waived)<br>|  | Comp factors - FICO XXX, DSCR XXXX, Reserves XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2027297 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides for the co-borrower XXXX. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please note XXXX is not a XXXX borrower. They are a Non Qualifying Guarantor and signed the Note as a member under the true borrower XXXX . Application/Credit report not required.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Client approval to waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Individuals that sign the Note are borrowers. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Client has approved to waive based on compensating factors. (Waived)<br>|  | Comp factors - FICO XXX, DSCR XXXX, Reserves XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2027297 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2027298 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027298 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027298 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027299 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027299 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027299 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2031274 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2031274 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2031274 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027300 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027300 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027300 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027301 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027301 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027301 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2031272 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2031272 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2031272 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027302 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027302 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027302 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027302 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027303 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027303 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027303 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 2.0. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027304 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027304 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027304 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027305 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on was not disclosed within 3 days of the application date, . Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2027305 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 40 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2027305 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2027305 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2027306 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2027306 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement is missing page 20. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2027306 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2027306 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU, dated XX/XX/XXXX which supports the appraised value with a risk score of 1. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2027307 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 40 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2027307 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The legal description is missing on page 25 of 25. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached. Please note only the legal description was uploaded due to file size restrictions.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2027307 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2027307 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1.3. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2036248 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 2 |
| XXXX | 2036248 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Borrower - Residency Alien Documentation | XXXX | The borrower indicates Non Permanent Resident Alien status; however, the file is missing copies of a valid VISA, as required. The file contains only copies of the Borrower drivers license and Employment Authorization Card. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> C10 EAD was approved at the time of lock. <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Investor approval prior to funding attached. Will notify investor to review and address.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Absence of a valid visa on the acceptable list will require an Investor exception. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | XXX score. XXXX DSCR. |  | 4 | 2 | 4 | 2 |
| XXXX | 2036248 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 2 |
| XXXX | 2036254 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on was not disclosed within 3 days of the application date, . Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2036254 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2036254 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The Mortgage have been signed by both the individual and Member of the LLC. The borrower is the entity only, not the individual and the entity based on pg.1 of the Mortgage and Title Policy. A new Mortgage (1-4 and Business Purpose) executed only as the member of the entity is required.? | Void | Rebuttal 1 (XX/XX/XXXX XXXX)<br> This is an individual acknowledgement from notary - corporate acknowledgement is what i believe you're referring to but that's when an appointed agent is signing something validated through notary these are qualified loans and title settlement agent executed (notary is signing the individual).<br>| Response 1 (XX/XX/XXXX XXXX)<br> Finding voided.<br>|  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2036254 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2036254 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2031275 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2031275 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2031275 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 1 | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2031273 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2031273 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2031273 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 1. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027308 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan and Security Agreement was initial by the Borrower on page 21. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2027308 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower's name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX LLC, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX LLC to XXXX is required to confirm ownership interest in the new mortgage. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Warranty Deed attached.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2027308 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2027308 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1.6. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2027309 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HMDA - Government Monitoring | XXXX | The Government Monitoring Section on the application was missing. Home Mortgage Disclosure Act (Regulation C) 12 CFR 1003.4(b) Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.13 | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2027309 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2027309 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 1.8. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2031276 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2031276 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2031276 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2036251 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2036251 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2036251 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2036251 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at 2.5 or under to support the origination appraised value. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000479 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000479 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The origination appraisal was completed for XXXX. The appraisal transfer letter was not provided as required. | Void | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Our guidelines do not require a transfer letter, please clear this condition<br>| Response 1 (XX/XX/XXXX XXXX)<br> A review of the guidelines dated XXXX do not require a transfer letter for an appraisal transfer. (Void)<br>|  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000479 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | Total required funds for the transaction were $XXXX. Required reserves were $XXXX. Required closing funds, including the EMD and the POC's were $XXXX, resulting in remaining funds for reserves in the amount of $XXXX. Borrower's funds were short $XXXX in reserves. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> As per Final signed closing Disclosure, the required assets including closing cost XXXX Total assets verified : XXXX Reserves required: XXXX (6 months subject PITI) Assets after closing: XXXX <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Client has approved exception to waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Total funds required: XXXX POC + XXXX EMD + XXXX cash to close + XXXX reserves = Total required funds of XXXX. Total funds available: XXXX Savings XXXX + XXXX Checking XXXX + Cleared EMD XXXX = XXXX Total available funds. Shortage of XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Client approved to waive based on compensating factors. (Waived)<br>|  | Comp factors - FICO XXX and LTV XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2000479 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Borrower - Residency Alien Documentation | XXXX | The borrower indicates Non-Permanent Resident Alien status; however, the file did not contain borrower's acceptable Visa or unexpired employment authorization (EAD, Form I-766) as required per the guidelines. The file indicated there was an exception made for not having the required form; however, the actual exception is not reflected in the file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> EAD documentation provided showing XXXX expiring XXXX<br>| Response 1 (XX/XX/XXXX XXXX)<br> Document provided as required. (Resolved)<br>|  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2000479 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Subject is a purchase transaction with borrower being a First-Time Investor and DSCR .922. Per the guidelines, the minimum DSCR allowed is 1.0 for First-Time Investors. The loan file indicated there was an exception made for DSCR <1; however, the actual exception is not reflected in the file. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Approved exception provided <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Emailed exception provided <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> The exception states for the DSCR being less than 1, XXXX which it was still approved<br>Rebuttal 4 (XX/XX/XXXX XXXX)<br> The email states an exception request for "Non-Perm Res Alien with DSCR score less then XXXX" and email confirming investor was XXXX with it<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received does not illustrate an exception from Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Email chain does not contain Investor exception for FTHB with DSCR less than 1. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Most recent documentation received XX/XX/XXXX. Specific exception not approved by Investor. (Upheld)<br>Response 4 (XX/XX/XXXX XXXX)<br> The only exception specified on the email is the XXXX asset shortage. There needs to be a request for FTHB non-perm with DSCR less than 1, not only Non-perm but FTHB as well. The person granting the exception must grant that specific exception. (Upheld)<br>Response 5 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | Comp factors - FICO XXX and LTV XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2000479 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Subject property is located in XXXX. The investor's prepayment penalty guidelines for XXXX allowed a prepayment penalty of X% of the original principal balance. The prepay addendum to the Note required 6 months of interest on the amount prepaid that exceeds 20% of the original principal balance of the loan. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Correct guidelines provided.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Guidelines dated XXXX were provided and allow for a prepay XXXX XXXX of 6 months interest on amount prepaid XXXX excess of 20% of the original principle balance. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000479 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2033624 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2033624 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Lender Exception in file as the subject loan does not meet Program Parameters for seasoning requirements. The subject transaction is a cash-out refinance and has not been owned for at least 6 months. Property owned for 122 days from application date of XX/XX/XXXX. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors: Credit score above minimum by 20 points XXXX greater; XXXX month housing history; PITIA reserves above minimum by 6 months XXXX greater |  | 3 | 2 | 3 | 2 |
| XXXX | 2033624 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1.5. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000542 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000542 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000542 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002108 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002108 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Rental Property Income | XXXX | The lease on the subject property expired the day of the subject loan closing on XX/XX/XXXX. The lease does reflect the option of renewal. Current lease or evidence lease went month-go-month along with 2 months bank statements supporting rental income of at least $XXXX not provided. Further, the lease not executed by tenant(s) and landlord. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Lease provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002108 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | A title commitment to contain a 24-month title history is required for all loans and must be dated within 90 days of the note date which is missing from the file. The file does contain the title policy. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Title policy provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002108 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2027372 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2027372 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> ATTACHED<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2027372 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002103 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002103 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Bank Statements | XXXX | The borrower received gift funds in the amount of $XXXX reflected on the Closing Disclosure. Gift letter was provided; however, investor guidelines required proof of 60 days seasoning and sourcing of funds. The file did not contain the required proof of the source account supporting sufficient funds to provided the gift. | Void | Rebuttal 1 (XX/XX/XXXX XXXX)<br> We have flexibility with spouses - they can do a gift and document as such with a gift letter and transfer of funds XXXX we can treat it as NOT a gift and pooled funds by fully documenting the source. <br>| Response 1 (XX/XX/XXXX XXXX)<br> Gift Letter and funds directly to the table documented XXXX the file. (Void)<br>|  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002103 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The lender guidelines required a gap credit or Undisclosed Debt Monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Monitoring attached<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Referenced documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2002103 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Subject is a bank statement program and accounts from 3 different businesses were provided to support the qualifying income. The Underwriter summary reflected a lender exception was approved to utilize 3 business; however, the actual lender exception with the approval signature and comp factors was not provided as required. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors: XXXX months of post closing PITIA reserves. Borrower has XXXX years self-employed XXXX the same 3 businesses XXXX the same industry. LTV is 10% below the maximum allowable. |  | 3 | 2 | 3 | 2 |
| XXXX | 2002103 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2005419 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Trust Not Executed | XXXX | The Note states the name of the trust is XXXX trust, but the only executed trust agreement in the file says the name is XXX trust. There is a XXXX trust agreement in the file but it is not executed. Unable to verify accuracy of signatures on the Note. Either the Note on page 3, and Note Addendum pages 1 and 2 needs to be corrected to reflect XXXX trust and not XXXX trust, or an executed agreement for XXXX trust is required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> tracking for corrected note #XXXX will be received X/XX<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Tracking #XXXX<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> attached<br>Rebuttal 4 (XX/XX/XXXX XXXX)<br> Attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The information provided is not sufficient to cure the finding. Please provide a copy of the executed, corrected Note for review. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The information provided is not sufficient to cure the finding. Please provide a copy of the executed, corrected Note for review. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The corrected Note has been provided updating the Trust name and is acceptable; however, the Note addendum correcting the Trust name on page 1 and was not provided with the corrected Note. (Upheld)<br>Response 4 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2005419 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Trust Not Executed | XXXX | The Mortgage and Mortgage Trust Rider states the name of the trust is XXXX trust, but the only executed trust agreement in the file says the name is XXXX trust. There is a XXXX trust agreement in the file but it is not executed. Unable to verify accuracy of signatures on the Note. Either the Mortgage on pages 1, 13, and 14 as well as Trust Rider pages 1 and 2 needs to be corrected to reflect XXXX trust and not XXXX trust, or an executed agreement for XXXX trust is required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Document is getting recorded<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The corrective deed has been provided. Please provide evidence of when the document has been recorded. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2005419 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception to not require all non-borrowing owners to provide a signed and dated letter acknowledging the transaction and confirming the borrower's access to the account for income-related purposes. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> exception<br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | Credit Score above minimum by 20 points XXXX greater (XXX), time on job of 5 years XXXX greater (XXXX), DTI below max by 5% XXXX greater (XXXX%) |  | 3 | 2 | 3 | 2 |
| XXXX | 2005419 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000505 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | Security Instrument - Missing Rider/Addendum. The following Rider is missing: PUD Rider. In addition, the Rider Section on page 2 does not reflect the PUD Rider is applicable; however, per the Appraisal the subject is located in a PUD. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2000505 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000505 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1 | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2026694 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2026694 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | Missing required 1004 to validate value or required repairs. The appraisal provided was made subject-to repairs with no completion certification provided. The appraiser noted unit XXXX has security bars without quick release mechanism in all windows including bedrooms. Without this certification, Auditor was unable to verify if property was completed and/or repairs made. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2026694 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2018551 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2018551 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The photos of the front of the subject property reflect security bars on the front windows. The appraisal did not address the bars or whether they had quick release latches. The appraisal was not subject to removal of the security bars. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Pictures provided the bars were removed <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2018551 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2005423 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005423 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005423 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 1.0. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000488 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2000488 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | Subject is a XXXX unit dwelling with 1 unit currently vacant which is unit XXXX. Guidelines allow up to 2 units to be vacant; however, any vacant unit must provide evidence of a recent lease within the last 2 months, and is missing from the file. Further, vacant units must be actively marketed for rent by providing a screenshot of listing or other documentation. Additional conditions may apply. | Void | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please review guidelines - guidelines referenced are for Investment properties 5-9 units XXXX mixed use 2-8 units<br>| Response 1 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Void)<br>|  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2000488 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Rental Property Income | XXXX | The loan closed XX/XX/XXXX with the borrower purchasing the subject property XX/XX/XXXX. The file contains month-to-month lease agreements for 3 of the XXXX units from the prior owner(s) while unit XXXX is vacant. The appraisal reflects unit 1 lease from XX/XX/XXXX to XX/XX/XXXX in the amount of $XXX, unit XXXX lease from XX/XX/XXXX to XX/XX/XXXX in the amount of $XXXX, and unit 2 month-to-month in the amount of $XXXX. Please provide current lease agreements and current month-to-month agreement. Proof of receipt of security deposit for new lease(s) required. Month-to-month requires proof of rent for at least 3 consecutive months prior to the note date. Additional conditions may apply. | Upheld | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please rereview guidelines, it appears this is from the wrong section. Also proof of rent is not needed unless: To use rents higher than is reflected on the 1007 - per guidelines on page 29-30<br>| Response 1 (XX/XX/XXXX XXXX)<br> Leases XXXX place are not expired. LTV reduction due to vacancy portion will remain open since the current LTV is over 100%. (Upheld)<br>|  |  |  | 3 | 3 | 3 | 3 |
| XXXX | 2000488 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | According to the appraisal/title, the subject was purchased XX/XX/XXXX. The subject refinance closed XX/XX/XXXX which is less than 6 months. The appraisal does not reflect any improvements to the subject property, and the file does not contain any documented improvements. The LTV must be based off the purchase price of $XXXX which results in a XX% LTV. The LTV does not meet the program eligibility guidelines. |  |  |  |  |  |  | 3 | 3 | 3 | 3 |
| XXXX | 2000488 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The appraisal reflects the property location as rural. Guidelines do not allow rural properties. | Void | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please review guidelines - guidelines referenced are for Investment properties 5-9 units XXXX mixed use 2-8 units<br>| Response 1 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Void)<br>|  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2000488 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2000489 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000489 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000489 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1.4. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023946 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023946 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023946 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026676 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026676 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026676 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000475 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: Inter Vivos Revocable Trust Rider for XXXX Living Trust. One was provided for in the loan file for XXXX Living Trust and one was provided in the loan file for XXXX Living Trust. | Upheld | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The referenced documentation was not received. The CDA report was provided. Please provide the Rider for review. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The Inter Vivos Revocable Trust Rider for XXXX Living Trust has been provided and will be acceptable when executed by all parties. Please provide an executed copy for review. (Upheld)<br>|  |  |  | 3 | 3 | 3 | 3 |
| XXXX | 2000475 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2000475 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2023923 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2023923 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Lender Exception in file as the subject loan does not meet Program Parameters for minimum DSCR equal to or greater than 1. The DSCR for the subject transaction was XX%. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Exception provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> Investor approved lender exception to waive based on compensating factors. (Waived)<br>|  | Compensating factors: Monthly reserves are verified and at least 4 months more than guideline minimum; Housing payment history is 0x30x24 XXXX better; Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 0x30x12 pay history |  | 3 | 2 | 3 | 2 |
| XXXX | 2023923 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 2.1. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2013707 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XX%) and the calculated APR (XX%), the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013707 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013707 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002091 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002091 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002091 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score 1.7. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013706 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HMDA - Government Monitoring | XXXX | The Government Monitoring Section on the application was missing. Home Mortgage Disclosure Act (Regulation C) 12 CFR 1003.4(b) Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.13 | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2013706 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement on Exhibit B, is missing the Borrower's signature on the Natural Person Section. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013706 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2013706 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Repairs | XXXX | The guidelines indicate if the appraiser has marked the appraisal "Subject to the following repairs…", then the appraiser must perform a final inspection after the completion of work. The appraisal was made subject to the installation of CO detectors. The loan file is missing the 442 updated / completion report from the original appraiser. It should be noted the loan file contains an LOE from the borrower that the CO detectors were installed and photos to support. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> LOE from borrower and photos provided showing the XXXX detectors were installed.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation was provided to show XXXX Detectors were installed. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013706 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The guidelines indicate a complete URLA signed and dated by interviewer and Borrower(s) is required. The loan file is missing an application executed by the borrower. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> XX loan - 1003 is not required. Attached for information only <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013706 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2018552 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: A box was not checked stating whether the reason they will not have an escrow account is because they declined it or because the lender does not offer one. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(l)(7) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2018552 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2018552 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is 2.1 | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016528 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The file includes an executed Prepayment Rider. However, Section (E) "Riders" of the Security Instrument does not reflect the Prepayment Rider. Please provide a revised mortgage document, which includes the necessary corrections on page 3. The borrower is required to initial the changes made. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Document provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016528 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2016528 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2023924 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2023924 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Subject closed in the name of XXXX LLC. The investor guidelines required Certification of Good Standing for the subject entity. The required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> COGs provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Document provided as required. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2023924 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception in file as the subject does not meet the Program Parameters for LTV. Subject is a 2 unit cash out refinance and both units are vacant which required an LTV reduction of 5%. Subject closed at 75% and with the reduction of 5% maximum would be 70%. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Approved exception provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Investor has approved Lender Exception to waive based on compensating factors. (Waived)<br>|  | Compensating Factors: Fico of XXX is higher than XXX and at least 20 points higher than guidelines minimum, post closing reserves of 47 months PITIA reserves, housing payment history is 0x30x24 XXXX better, borrower has real estate investment experience as a seasoned investor with more that 2 prior investments displaying at least 0x30x12 pay history |  | 3 | 2 | 3 | 2 |
| XXXX | 2023924 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016530 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The file includes an executed Prepayment Rider. However, Section (E) "Riders" of the Security Instrument does not reflect the Prepayment Rider. Please provide a revised mortgage document, which includes the necessary corrections on page 3. The borrower is required to initial the changes made. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016530 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2016530 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2026672 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026672 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026672 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002092 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR 8.188 and the calculated APR 8.123, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002092 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following Rider is missing: PUD Rider. Per the Appraisal and Title the property is located in a Planned Unit Develop therefore a PUD Rider is required to be attached with the Security Instrument. Please provide the executed Rider and a revised Security Instrument, which includes the necessary corrections on page 2. The Borrower is required to initial the changes made. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> ATTACHED<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2002092 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One XXXX More Reports Missing | XXXX | Guidelines require a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing and is missing from the file as required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2002092 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | Purchase transaction. The borrower is currently living rent free. Guidelines require max LTV of XX% and max DTI of XX%. Loan closed with a DTI of XX% which meets the guideline; however, LTV of XX% exceeds the LTV guideline. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | XXX score. XXXX% DTI. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2002092 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The borrower is a first-time home buyer. Per letter from spouse, the borrower is not on the mortgage or title. A first time home buyer is an ineligible borrower per the Bank Statement/Flex income program guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> FTHB is allowed on a primary purchase - per guidelines they are not allowed on Investments - please re-review<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Processor cert provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> The guide does not differentiate between primary and investment with respect to FTHB ineligibility. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2002092 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2033625 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2033625 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The subject loan does not meet Program Parameters for continuity of obligation. To satisfy the continuity of obligation requirement, at least one borrower is obligated on the new loan who was also a borrower obligated on the existing mortgage loan being refinanced. When title is held in the name of a natural person or an entity, as long as the borrower was a member of the entity prior to any transfer. 50% ownership of an entity is considered to meet continuity of obligation. The existing mortgage loan being refinanced was in the name of XXXX and originated on XX/XX/XXXX. The property was transferred from XXX, as Grantor to XXXX and XXXX, XXXX Trust, Trustees, on XX/XX/XXXX by Deed of Gift. The beneficiaries of the trust are XXXX LLC 50% and XXXX, LLC 50%. On XX/XX/XXXX XXXX sold her remaining interest in the subject property to XXX LLC and XXXX, LLC. Therefore, the borrowers/entity were not obligated on the existing mortgage prior to the transfer of ownership. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The borrowers are 100% owners of XXXX llc which is verified by the operating agreement XXXX file for XXXX and gives 50% ownership XXXX the property since XX/XX/XXXX and meets continuity requirements per guide as seen below, to satisfy "it must meet one of the following" and this does, I see what they are saying but I don't believe they realized the borrowers own XXXX XXXX that b1 is a trustee and all is verified with docs XXXX file, the property was gifted to the trust that borrower 1 has been on since inception as trustee so we not only meet continuity by B1 being a trustee but also by the borrowers owning XXXX at 100% meeting 50% ownership and guides on either case, please resubmit with explanation and docs to support if needed as they are all XXXX file.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Explanation and documents XXXX file to support continuity of obligation. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2033625 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Lender Exception in file as the subject loan does not meet Program Parameters for long term rental. The lease agreement reflects the subject property is being leased for 9 months versus 12 months as required. In addition, the co-borrower has no primary housing expense. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Approved exception provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Investor has approved to waive based on compensating factors. (Waived)<br>|  | Compensating factor: Monthly reserves are verified and at least 4 months more than guideline minimum. |  | 3 | 2 | 3 | 2 |
| XXXX | 2033625 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2009843 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HMDA - Government Monitoring | XXXX | The Government Monitoring Section on the application was not completed or acknowledged. Home Mortgage Disclosure Act (Regulation C) 12 CFR 1003.4(b) Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.13 | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2009843 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The subject property is a short term rental. The comparable rental schedule was included and market rents were based on short term rental properties. Per the investor guidelines, no daily or weekly vacation rentals should be used in the market rent survey. Origination form 1007 did not meet the guide requirements. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> That section of guides is specific to long term rentals; short term rentals allow 1007 and does not specify it can't be short term rental comp<br>| Response 1 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2009843 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Contract Addendum - Missing | XXXX | The HUD for the subject transaction reflected a seller credit for repairs in the amount of $XXXX. The addendum to the contract supporting these seller contributions was not provided as required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Addendum provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2009843 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject property is a short term rental. The investor guidelines required anXXXX report to include 5 comparison properties within 2 miles of subject or same zip code, and generally in similar size, room count, availability and occupancy. The first page of an XXXX report was provided; however was not complete with all of the required information. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> All pages provided<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> All pages provided showing X/X<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Docs provided.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The full report is still missing. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> All pages of the XXXX have been provided. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2009843 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The final loan application was incomplete. The only pages provided were the Lender Loan Information page. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> 1003 provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2009843 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The subject's hazard insurance did not include wind coverage and an invoice was provided for the separate wind policy. The wind policy was not provided to support the coverage information to include the mortgagee clause. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc with correct mortgagee provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2009843 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1.9 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2013716 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2013716 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | There loan application is missing from the file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> XX loan 1003 is not required, attaching for information only <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013716 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines.The borrower purchased the subject property XX/XX/XXXX for $XXX which is within 6 months of the subject rate and term transaction. Subject is new construction. The LTV calculation based on the purchase price increases to XX%. Max LTV for a rate/term refinance is XX%. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | XXX score. XXXX DSCR. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2013716 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2013712 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013712 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM closed day of closing provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013712 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2033626 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2033626 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2033626 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023925 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023925 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject Note was a 10 year interest only then 20-year amortization. Per the lender guidelines, interest only loan qualification is based on the fully amortized payment calculated over the fully amortized period. At origination, the DSCR was calculated using the interest only payment. Using the full amortizing payment in the qualifying DSCR, the DSCR reduced to .92. Investor guidelines allowed for DSCR <1; however, subject would not qualify under those guidelines. | Void | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Our guidelines state to use the ITIA payment for DSCR calculation (Page 9 of 95) <br>| Response 1 (XX/XX/XXXX XXXX)<br> A review of guidelines does allow the DSCR to be calculated using the IO payment. (Void)<br>|  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023925 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018557 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Loan Discount Fee (Points) and Appraisal Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Appraisal invoice provided; dated X/X, XXXX which lender was not made aware until then of increase XXXX fee; re-disclosed X/X and is within days of discovery Please confirm the fee XXXX question for discount points, and the tolerance it is exceeding.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Lock confirmation showing an Exception was approved, so the XXXX exception adjustment was applied to the file. <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> PCCD and check provided for cure<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The Pricing Exception has been applied to the Points - Loan Discount fee increase on XX/XX/XXXX. The Appraisal Invoice provided does state a reason for the increase fee. Please provide details as to why the Appraisal fee increased to determine if it is valid reason. An updated cost to cure XXXX the amount of XXXX remains. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The Appraisal Invoice provided does not state a reason for the fee increase from XXXX to XXXX. Please provide details as to why the Appraisal fee increased to determine if it is valid reason. An updated cost to cure XXXX the amount of XXXX remains. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2018557 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Employment History | XXXX | Lender exception in file as borrowers have not been with current employer for a minimum 2 years. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Approved exception provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors - FICO of XXX and clean housing history 0x30x24 XXXX better. |  | 3 | 2 | 3 | 2 |
| XXXX | 2018557 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score of 1.3. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016521 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2016521 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2016521 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009846 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2009846 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Contract - Parties | XXXX | The purchase contract reflects XXX, LLC as the "Buyer" and not XXXX, LLC as reflected on the Note. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Addendum to correct buyer provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2009846 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One XXXX More Reports Missing | XXXX | The loan file is missing a tri-merged credit report for Co-Borrower XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> This is a non-borrowing owner who has interest XXXX the vested LLC, this is not available.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Verification that other owner of LLC was only a non-borrower on subject loan and guidelines do not require a credit report on non-borrower owners of LLC. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2009846 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The purchase agreement indicates the subject property is currently subject to a lease agreement and the appraisal indicates "tenant occupied." However the lease agreement was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Lease is not required for a purchase, we can utilize the 1007<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Addendum correcting buyers name on the purchase contract provided <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> On a purchase, we do not require both the 1007 and lease agreement; XXXX to proceed with just the 1007<br>Rebuttal 4 (XX/XX/XXXX XXXX)<br> Lease provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> Please provide commentary from the appraiser that the lease was reviewed XXXX a copy of the lease. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Document received does not address defect. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Please clarify. XXXX this case the leases are transferred according to the CD. They are still active. (Upheld)<br>Response 4 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2009846 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The loan file is missing a Final 1003/Application executed by XXXX and XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> This is a non-borrowing owner who has interest XXXX the vested LLC, this is not available.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2009846 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception in file for the Borrower being the listing agent of the subject property and being a principal member of "XXXX", which is the entity represented as the "seller" on the purchase contract. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Investor has approved to waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Investor approved to waive based on compensating factors. (Waived)<br>|  | Compensating Factors: XXX Fico Score, Experienced Investor, > 6 months PITI reserves (135 months) |  | 3 | 2 | 3 | 2 |
| XXXX | 2009846 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is 1 | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2023944 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The No Escrow Table is inaccurate. There is no box checked as to if Escrow's were declined or your lender does not offer one. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(l)(7) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2023944 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Inquiries | XXXX | The credit report XX/XX/XXXX shows a recent inquiry within 90 days with XXX Bank on XX/XX/XXXX that was not addressed as required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2023944 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2023936 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2023936 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Per the lender's guidelines a valid Decision Credit score requires at least one (1) borrower to have a minimum of three (3) credit scores. The credit report dated XX/XX/XXXX reflected the borrower only had 2 credit scores. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Exception attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | XXX score. Experienced Investor. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2023936 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2013715 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013715 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Business Bank Statement program using asset statement from XXXX XXXX. The borrower is 90% owner of the business, XXXX Inc. Guidelines require non-borrowing owners of the business to provide a signed and dated letter acknowledging the transaction and confirming borrower's access to the account for income-related purposes, and is missing from the file as required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013715 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2026673 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2026673 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Appraisal Missing | XXXX | The appraisal (including market rent) is missing from the loan file. The file contains only a CDA, dated XX/XX/XXXX, that reflects a value of $XXXX. DSCR could not be verified. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Appraisal provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2026673 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the $XXXX value; however, the original appraisal is missing from the file. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2023926 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2023926 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception in the file to allow Cash out refinance with DSCR <1. Investor guidelines requires a second level review. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Approved exception provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Investor approved Lender Exception to waive based on compensating factors.(Waived)<br>|  | Compensating factors: LTV less than XX% and at lease 5% less than guideline maximum, XXXX months post closing reserves and housing payment history is XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2023926 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2026692 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026692 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026692 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 1.8. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013722 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013722 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013722 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1.5 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2027368 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027368 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027368 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score 2.1. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023927 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023927 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023927 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1.4 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013733 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State Regulations | XXXX | This loan failed the prohibited fees test. The loan charges a prohibited fee based on the following finding: The loan charged more than one appraisal fee. (XX Fin. Code §22317) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2013733 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The subject's appraisal was completed in the broker's name. The file did not contain the required appraisal transfer letter to the lender. | Void | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Guidelines do not require a transfer letter.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Upon further review the guidelines do not require an appraisal transfer letter. (Void)<br>|  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2013733 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013733 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Other | XXXX | Lender exception provided to all the employment contract in process to meet the stability of income requirements. Borrower is on a temporary contract since XX/XX/XXXX and was contract was recently updated to extend employment to XX/XX/XXXX. Client to approve downgrading findings based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Investor approved Lender Exception.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Investor approved Lender Exception based on compensating factors. (Waived)<br>|  | Compensating factors: Credit score of XXXX is 40 points higher than the minimum required, XXXX months of post closing reserves, housing history of XXXX for XXXX months. Borrower has worked XXXX the same industry for greater than 5 years. |  | 3 | 2 | 3 | 2 |
| XXXX | 2013733 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A Field Review dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2023928 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023928 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023928 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013723 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2013723 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The subject property is a XXXX-unit property located on a XXXX square foot lot and zoned Multi-Family (8) residential. The property zoning was legal-nonconforming use. The addendum provided appraiser's commentary stating current zoning allows for 8 units per acre. Based on the subjects site size, the subject could only be rebuilt as one unit. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | XXX score. XXXX% LTV. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2013723 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2023929 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023929 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023929 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026682 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2026682 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | Missing required 1004 to validate value or required repairs. The appraisal provided was made subject to repairs with no completion certification provided. The appraiser noted smoke and CO Detectors were to be installed in both units and the basement. There is no evidence in the file that the repairs were completed. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The 1004 D required evidence of smoke detectors installed XXXX both units and XXXX the basement. There are 2 sets of photos that appear to be identical. The photos support installation XXXX 1 unit. The XXXX unit and the basement were not photographed. Please provide a 1004D. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2026682 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2026691 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026691 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026691 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 1. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023930 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2023930 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Lender exception in file as the subject does not meet the DSCR guidelines for the required Operating Agreement for the entity, XXXX, LLC. Client to approve downgrading finding based on compensating factors. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> K1 provided showing borrower owns 100% therefor no Operating Agreement is needed <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> No OA as borrower is sole member<br>| Response 1 (XX/XX/XXXX XXXX)<br> K-1 provided confirms 100% ownership of XXXX. Operating Agreement is still required for XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  | Compensating factors: LTV of XXXX% is lower than maximum of XX%, DSCR of XXXX% is greater than XXXX%, Mortgage payments reflect 0/30 on 6 mortgages on the origination credit. Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 0x30x12. |  | 3 | 1 | 3 | 1 |
| XXXX | 2023930 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The subject closed in the name of XXXX LLC. The investor guidelines required the EIN/W9 for the entity. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> EIN provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2023930 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Subject property is located in XXXX. The investor's prepayment penalty guidelines for XXXX allowed a 3-year period max; 2 months advanced interest on the aggregate amount of all prepayments made in any 12 month period in excess of 1/3 of the original principal amount. The prepay addendum to the Note reflected a 2 year prepayment term and was equal to 6 months of interest on the amount prepaid that exceeds 20% of the original principal balance of the loan. Prepay penalty was outside of the allowable prepayment terms. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Corrective statement and intent to re-record provided <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> The corrective statement reflects correction the note already and was approved by XX before sending. <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> This covers the mortgage. Please provide a corrective addendum to the Note, which does not require recording. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2023930 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2018554 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XX%) and the calculated APR (XX%), the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018554 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018554 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026674 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026674 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026674 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023945 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023945 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023945 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2033627 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2033627 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2033627 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 1.6. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023931 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023931 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023931 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023932 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023932 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023932 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2034748 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2034748 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2034748 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 3.7. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027374 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-1 Settlement Statement provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, Agency Points and Fees, QM Points and Fees, QM DTI Threshold, Federal Threshold, State Threshold, RESPA 2010 review, and final HUD-1 accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a). | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Hud SS provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2027374 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Prepayment Addendum is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Addendum provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2027374 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Borrower - Ineligible borrower | XXXX | Does not meet eligible borrower requirements per guidelines. Lender exception in the file as the subject loan does not meet the Program Parameters for Eligible Borrower. Borrower is a first-time homebuyer and a first-time investor, both of which investor guideline reflect as ineligible. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors: Fico higher than XXX and at lease 20 points higher than guidelines minimum, 41 months of post closing PITIA reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2027374 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. Lender exception in the file as loan does not meet the Program Parameters for LTV. The investor guidelines required a 5% LTV reduction for loan amounts less than $XXXX. Maximum LTV per the guidelines is XX% and with LTV reduction would be XX%. Loan amount was $XXXX and closed at XX% LTV. Client to approve downgrading based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors: Fico higher than XXX and at lease 20 points higher than guidelines minimum, 41 months of post closing PITIA reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2027374 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Verification Documentation - VOR | XXXX | Lender exception in the file as subject loan does not meet the requirement for private VOR with 12 months of canceled checks or bank statement supporting consistent payments in the amount used in qualifying. Client to approve downgrading based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors: Fico higher than XXX and at lease 20 points higher than guidelines minimum, 41 months of post closing PITIA reserves, and screen shots from XXXX software reflecting payments made. |  | 3 | 2 | 3 | 2 |
| XXXX | 2027374 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1.4 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2027375 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2027375 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Prepayment Addendum was not found in the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> ATTACHED<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2027375 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: Prepayment Rider | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> ATTACHED<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2027375 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Borrower - Ineligible borrower | XXXX | Lender exception in the file as the subject loan does not meet the Program Parameters for Eligible Borrower. Borrower is a first-time homebuyer and a first-time investor, both of which investor guideline reflect as ineligible. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors: Fico higher than XXX and at lease 20 points higher than guidelines minimum, 44 months of post closing PITIA reserves, |  | 3 | 2 | 3 | 2 |
| XXXX | 2027375 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception in the file as loan does not meet the Program Parameters for LTV. The investor guidelines required a 5% LTV reduction for loan amounts less than $XX. Maximum LTV per the guidelines is XX% and with LTV reduction would be XX%. Loan amount was $XX and closed at XX% LTV. Client to approve downgrading based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors: Fico higher than XXX and at lease 20 points higher than guidelines minimum, 44 months of post closing PITIA reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2027375 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Verification Documentation - VOR | XXXX | Lender exception in the file as subject loan does not meet the requirement for private VOR with 12 months of canceled checks or bank statement supporting consistent payments in the amount used in qualifying. Client to approve downgrading based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors: Fico higher than XXX and at lease 20 points higher than guidelines minimum, 44 months of post closing PITIA reserves, and screen shots from XXXX software reflecting payments made. |  | 3 | 2 | 3 | 2 |
| XXXX | 2027375 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1.4 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2023942 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023942 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023942 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 1.4. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026681 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026681 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026681 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026675 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2026675 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2026675 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2023933 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023933 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023933 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026688 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2026688 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2026688 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score 3.8. Subject property is a Flip transaction per client guidelines a second appraisal is required. A second appraisal was obtained which supported the value within 10%. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016527 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2016527 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Other/Missing | XXXX | Qualifying income for the borrower was from 12 months of business checking account with XXXX Bank, account ending # XXXX. The statement ending XX/XX/XXXX was missing from the loan file. Income cannot be calculated/validated without the full 12 months of bank statements. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> X/X is not needed as there are 12 months from XX/XX/XXXX - XX/XX/XXXX<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Stmt provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> The loan closed X/X. XX/XX/XXXX statement is required for aging. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016527 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 2.1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013736 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. Page 10 of the mortgage is cutoff. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013736 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Credit Report. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2013736 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013736 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2026677 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026677 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026677 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 1.3. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023934 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023934 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023934 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026678 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026678 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026678 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 1. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023935 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | ROR - Timing | XXXX | This loan failed the TILA right of rescission test. ,Closed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3). The funding date XX/XX/XXXX is before the third business day following consummation XX/XX/XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Final SS confirms funding date of XX/XX/XXXX<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2023935 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State Regulations | XXXX | This loan failed the prohibited fees test. The loan charges a prohibited fee based on one or more the following findings: The loan charged more than one appraisal fee. (XX Fin. Code §22317). | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2023935 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The No Escrow Table is inaccurate. There is no box checked as to if Escrow's were declined or your lender does not offer one. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(l)(7). | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2023935 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2023935 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020102 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020102 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020102 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027369 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> CIC and lock confirmation confirming the change was for a lock extension provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2027369 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Total required funds for closing and reserves were $ XXXX. The total of the bank statements and EMD funds were documented as $XXXX. Included in the total assets verified was a XX Bank savings account ending in #XXXX which had a large deposit of $XXXX on XX/XX/XXXX and a large transfer from account ending in #XXXX in the amount of $XXXX. Documentation to support the source of this large deposit and transfer was not provided. With the source documented, the transaction would be short of the required funds for closing and reserves. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Documentation provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Bank statements and wire transfer provided to support deposits and transfers. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2027369 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provide <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2027369 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1.1 was provided and supported the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2036801 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. On page one where it says XXXX, XXX it should instead reflect XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2036801 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Subject is a short term rental. To calculate income, guidelines required a short term rental statement to include property identification by address with 12 months of rental income reflected. The 12 month rental income statement provided did not reflect the subject's property address as required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2036801 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2023939 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX . Credit Report. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2023939 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal Fee. A cost to cure in the amount of $XX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> XX sent XX/XX/XXXX at XXXX, the fee was re-disclosed within 3 days at XXXX after receiving the invoice. Since the lender re-disclosed the initial fee within the original 3 days no cure needed.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2023939 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The Homeowners Association Certification indicated that the subject property did not meet the community standards per site check on XX/XX/XXXX. Does not currently meet exterior or property maintenance standards. An architectural committee application for exterior renovation was required within 30 days of closing. General property maintenance to be complete within 30 days of closing or sooner. Further documentation with additional details or resolution of issue was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Documentation provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Approval letters provided. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2023939 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2023939 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2026680 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026680 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026680 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027378 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027378 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027378 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026679 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2026679 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Lender Exception in file as the subject loan does not meet Program Parameters for LTV. Per the lender's guidelines a 5% reduction in LTV is required when the appraisal reflects a declining market which results in a maximum LTV of XX%. The subject transaction was approved at XX% LTV. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Approved exception provided <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Title provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> The exception provided requires the Title to be Fee Simple. Email from Title Agent indicates the Title will be Fee Simple; however, Title XXXX file reflects Leasehold. Also, the HUD does not reflect ground rent redemption. It appears the Title is still Leasehold without evidence of ground rent redemption. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Investor has approved to waive based on compensating factors. (Waived)<br>|  | Compensating factors: Monthly reserves are verified and at least 4 months more than guideline minimum; Qualifying DSCR higher than 1.1x and at least 0.1x higher than guideline minimum |  | 3 | 2 | 3 | 2 |
| XXXX | 2026679 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 1.0. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031240 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2031240 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> ATTACHED<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2031240 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1.3 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2033630 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2033630 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Document provided as required. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2033630 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance deductible over allowed 5% of coverage amount. | XXXX | Deductible over the allowed 5% of coverage amount. Subject H06 policy reflected dwelling coverage of $XXXX and a hurricane deductible of $XXXX which is XX% of the dwelling coverage, exceeding the maximum allowable of X%. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Policy states 5% of coverage A + coverage C which equals XXXX and 5% is XXXX therefore this is acceptable <br>| Response 1 (XX/XX/XXXX XXXX)<br> Upon further review deductible meets overlay requirement. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2033630 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Verification Documentation - VOR | XXXX | A VOR from a private individual and lease on the borrower's departure residence was provided with copies of cashiers checks supporting payments for 11 months. The investor guidelines required 12 months of canceled checks or bank statements to support the monthly payments made. Cashiers checks for 11 months only were provided with one additional email reflecting an additional payment was set up to be paid on XX/XX/XXXX. Copy of the cashier's check or corresponding bank statement to support this payment was actually made was not provided. It should be noted that an email from XXXX to XXXX asking for an exception to use the 11 months proof of receipt and XXXX responded "Okay" to email; however, no actual lender exception form was provided. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Form provided<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Original condition stated for form,, which was provided. Email confirmation from XXXX at XXXX also provided confirming he was Okay; with exception, this should be sufficient as we provided what was conditioned for. <br>| Response 1 (XX/XX/XXXX XXXX)<br> It could not be determined if the exception form provided was from the Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> XXXX email sufficient. Waiver granted by Investor. (Waived)<br>|  | Compensating factors: Low DTI of XXXX%, XXXX months of post closing PITIA reserves, XXXX months of rent payments documented with no late payments. |  | 3 | 2 | 3 | 2 |
| XXXX | 2033630 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1.6 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2026684 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2026684 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2026684 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1.3 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2027370 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than 10% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Recording Fees. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Final SS provided showing the final recording fees of XXXX, therefore the borrower would have already been refunded the difference XXXX recording fees and no cure should be needed since the final fee is within tolerance <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Final CD provided along with the final SS confirm the final recording fee was within tolerance so no cure is needed<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The Final Settlement Statement has been provided to disclose the Final recording amount. Please provide a PCCD LOE and PCCD to borrower with final fees for review. A cost t cure XXXX the amount of XXXX remains. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2027370 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2027370 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of 1.0 with a date of XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2026683 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2026683 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Void | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Credit report was issued 4 days prior to closing XXXX<br>| Response 1 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Void)<br>|  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2026683 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DTI - Exceeds Guidelines | XXXX | Lender exception in the file to allow DTI of XX% which is higher than the maximum of XX% allowed for borrower living rent free. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Approved exception provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating Factors: LTV of XXXX at least 5% less than guideline maximum, Fico of XXX is at lease 20 points higher than guideline minimum, borrower has a prior rental history with 0x30 through XX/XX/XXXX prior to current rent free, |  | 3 | 2 | 3 | 2 |
| XXXX | 2026683 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2023941 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2023941 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> udm provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2023941 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2023937 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with the Title. Title reflects current Vested Interest as XXXX and XXXX, whereas the Security Instrument reflects XXXX. There is no evidence of a transfer deed in the loan file for the change. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> deed provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2023937 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Title Commitment - Other | XXXX | The title commitment reflects on Schedule B-1 #6 record satisfaction, release, or proof on non-identity relating to judgment and/or liens against XXXX (joint on title with borrower) recorded in XX Book XXXX, Page XX, Public Records of XXX County, XXXX. File does not contain proof of non-identity or satisfaction of judgment/lien(s) or updated title supplement to clear said judgment/lien(s) as required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Affidavit and confirmation to be removed <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2023937 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1.6. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2034746 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> lock confirmation confirms change XXXX pricing due to non-warrantable condo<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2034746 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Document provided as required. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2034746 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2027371 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following Rider is missing: PUD Rider. In addition, Page 2 was also not accurately marked. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> PUD rider with corrective affidavit provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2027371 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2027371 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 1. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2027379 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2027379 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2027379 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 1.5. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2031244 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031244 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | Lender exception in file as credit report reflected a XXXX revolving account that is in dispute with a balance of $XXX and required a credit supplement to reflect account had been resolved. The required credit supplement was not provided. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Investor has approved Lender Exception.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Lender exception approved by investor to waive based on compensating factors. (Waived)<br>|  | Compensating factors: LTV less than XX% and at least 5% less than the guidelines maximum, Fico of XXX at lease 20 points higher than guideline minimum, housing payment history 0x30x24, borrower worked XXXX same job for more than 3 years. |  | 3 | 2 | 3 | 2 |
| XXXX | 2031244 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2031244 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1.5 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031241 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2031241 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2031241 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2033628 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2033628 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2033628 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023938 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2023938 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Other/Missing | XXXX | Bank statement program. Underwriting Summary in the file reflects 12 month's business bank statements from 2 bank accounts with XX Bank used for qualifying income of $XXXX per month. The file only contains the 1st page (summary page) of the income worksheet and does not contain the break down of deposits and exclusions for each account for the 12 months. Please provide to confirm the qualifying monthly income. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> All pages provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2023938 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Property - Previously Listed for Sale | XXXX | The property was offered for sale XX/XX/XXXX and withdrawn on XX/XX/XXXX and the initial application date was XX/XX/XXXX which is acceptable per the guidelines (on or after the application date). Guidelines require the borrower to confirm in writing reason for the prior listing and intent to occupy the subject property and is missing from the file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Can we proceed without? This is the borrowers only owned property and was part of a land contract with the previous owners. They were holding title until this transaction was complete. The borrowers signed an occupancy affidavit confirming occupancy<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> LOE provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> This is a guideline requirement. An Investor exception would be required. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2023938 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score 1.5. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2034747 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2034747 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Subject closed in the name of an entity. The investor guides required a Certificate of Good Standing. Required documentation not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> COGs provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2034747 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at 2.5 or under to support the origination appraised value. CU did not provide a score due to non-UAD property. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> CDA provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2026685 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2026685 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2026685 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2026686 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2026686 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2026686 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of 1.0 dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2026687 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026687 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026687 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 1.0. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2031242 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2031242 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2031242 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 2.2. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2034749 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2034749 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2034749 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The subject an attached home located in a Condo/Pud community. The master insurance policy for the homeowners association, XXXX was not provided as required. Additional conditions may apply upon receipt of policy. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Master provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2034749 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1.1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2027377 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027377 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027377 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027376 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027376 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2027376 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2033629 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2033629 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. The subject loan was a purchase with a qualifying credit score of XXX and a DTI of XX%. The maximum allowable LTV was XX% with a DTI over XX%. The subject loan amount of $XXXX and property appraised value of $XXXX results in an LTV of XX% which exceeded program guidelines. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> exception provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> Investor has approved to waive based on compensating factors. (Waived)<br>|  | Compensating Factors: Employed with the same employer as a XXXX for 8 years, XXXX post-closing reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2033629 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2031243 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2031243 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provide <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2031243 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2026689 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026689 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026689 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of 1.0 dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2036802 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2036802 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> ATTACHED<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2036802 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2023943 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The notary section is missing the name of the county where the closing took place. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> recorded mortgage provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2023943 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Documentation provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2023943 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DTI - Exceeds Guidelines | XXXX | Lender exception in file for DTI greater than XX% with LTV of XX%. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Exception provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Investor approved lender exception to waive based on compensating factors. (Waived)<br>|  | Compensating factors: Fico higher than XXX and at least 20 points higher than guideline minimum, borrower has worked XXXX the same mob for more than 3 years and has worked XXXX the same industry more than 5 years. 20 months of 0x30 on mortgage. |  | 3 | 2 | 3 | 2 |
| XXXX | 2023943 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2026690 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026690 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2026690 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 1.0. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023940 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2023940 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The subject is a SFR and has a full ADU with kitchen, bedroom bathroom and living area. None of the comparable sales had an ADU. Per the investor guidelines appraisal is required to have at least one comparable sale with similar use to be provided to demonstrate use is typical to the area. Appraisal did not contain a comparable sale with a similar ADU. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The appraiser has addressed this request within the report. Please see the Addendum section on page 12. Thank you, PER APPRAISAL: Comments on Sales Comparison XX/XX/XXXX: THE SUBJECT HAS AN ADU. I EXTENDED THE SEARCH PARAMETERS FOR SALES XXXX THE LAST 2 YEARS AND XXXX XXXX. I WAS NOT ABLE TO FIND A SALE WITH AN ADU. THERE IS NO AFFECT ON ITS MARKETABILITY.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Approved exception provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> The appraiser may have to exceed sales timeframe and proximity XXXX order to provide a property with an ADU. Otherwise, an exception will be required. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | XX% LTV. XXX score. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2023940 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 2.3 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2034752 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2034752 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2034752 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Debts - Not Verified | XXXX | Borrower owns an additional property located on XXXX and XXXX Mortgage statement and payment history were provided. The mortgage history reflected balance and all payments in XXXX. The file did not contain a currency convertor to support the actual payment in US dollars. Monthly payment could not be verified. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Conversion provided <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2034752 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Other | XXXX | The qualifying income was documented utilizing XXX 1120s returns from XXXX Inc. and personal tax returns. Per the investor guidelines, when income from the most recently filed tax return with no tax transcripts, file must contain evidence the most recently filed tax return have been filed by copy of officially stamped tax returns by the IRS or proof of E-filing and proof of refund or tax payment. Required documentation was not provided as required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> XXXX tax transcript showing a refund of XXXX which matches the refund on tax returns which evidences the same tax returns were used to file with IRS.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2034752 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2031245 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2031245 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2031245 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score 2.1. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2034750 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2034750 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2034750 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1.81 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2034751 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Prepayment Addendum to the Note is missing page 2 of 2. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2034751 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Subject is a XXXX unit property and the appraisal indicated that both units were rented. The loan file did not contain copies of the leases to support the rent income used in the DSCR calculation. | Void | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please use the amounts on the appraisal <br>| Response 1 (XX/XX/XXXX XXXX)<br> Rent confirmed on the appraisal rent schedule is sufficient. (Void)<br>|  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2034751 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2026693 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2026693 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2026693 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 1.0. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2027373 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2027373 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2027373 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2033631 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2033631 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Contract Addendum - Missing | XXXX | The final closing disclosure reflected $XXXX in interested party contributions. The addendum to the sales contract addressing the interested party contributions was not provided as required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> ATTACHED<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2033631 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception in the file approving the DSCR of .845 in lieu of the required 1.00. Investor guidelines allowed DSCRs less than 1%; however, required a second level review. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors: Housing payments XXXX better, XXXX months of post closing reserves, credit score of XXX higher than the guidelines minimum required. |  | 3 | 2 | 3 | 2 |
| XXXX | 2033631 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1.2 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2033632 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2033632 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2033632 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2033634 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2033634 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2033634 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 2.4 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2036803 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2036803 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> ATTACHED<br>| Response 1 (XX/XX/XXXX XXXX)<br> Document provided as required. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2036803 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Tax Transcripts Missing | XXXX | Lender exception in file for missing the current year 1099 tax transcript supporting income. Allowed the use of the 1099 NEC Summary report matching 1099 income in lieu of the transcripts. Client to approved down grading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Investor approved to waive.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Investor approved to waive based on compensating factors. (Waived)<br>|  | Compensating factors: Post closing reserves of XXXX months PITIA, low DTI of XXXX%, housing payments on additional properties owned XXXX, more than 3 years with current employment, residual income of XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2036803 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2033633 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2033633 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender exception in file to allow bank statement income for self-employed borrower with only 17 months with current business without proof of being within the same field for 4 years prior as required by investor guidelines. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Exception provided<br>| Response 1 (XX/XX/XXXX XXXX)<br> Investor has approved to waive based on compensating factors. (Waived)<br>|  | Compensating factors: Residual income of XXXX, LTV is 5% less than guidelines max, 33 months of post closing PITIA reserves. Mortgage history on additional property owned 3x30x36 months. |  | 3 | 2 | 3 | 2 |
| XXXX | 2033633 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1.9 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |

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## Exhibit 99.19

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.19**

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 2033606 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2033605 | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| XXXX | 2020317 | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2024178 | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| XXXX | 2024180 | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2020207 | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| XXXX | 2033580 | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2037721 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
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| XXXX | 2002108 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2013706 | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2009843 | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2013723 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2000488 | XXXX | 3 | 3 | 3 | 3 | 1 | 1 | 1 | 1 C A |
| XXXX | 2000489 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2005423 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2002091 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2009846 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2013716 | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2033632 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2033628 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2036801 | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2033625 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2034748 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2027374 | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2027379 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2033626 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2033624 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2034747 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 2034750 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2034751 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2033634 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2031245 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2033631 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2000475 | XXXX | 3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 C A |
| XXXX | 2000542 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000479 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2023936 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2023940 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2023930 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2023942 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2026673 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2033627 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2026690 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2027375 | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2026681 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2016528 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2016530 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2018551 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2026677 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2026682 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2026675 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2026680 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2026689 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2023925 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2023924 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2026694 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2023933 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2026679 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2026676 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2023926 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2023945 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2026693 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2027368 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2026688 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2023927 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2026672 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2023929 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2026685 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2026686 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2023934 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2023923 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2027377 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2027376 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2023931 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2023932 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2026687 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2027378 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2023928 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2013733 | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2013736 | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2034752 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2033629 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2023943 | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2027371 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2027373 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2026674 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2027291 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2027297 | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2027308 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2036254 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2027294 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2027300 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2036253 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2027299 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2027296 | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2027309 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2027307 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2027302 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2027306 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2027303 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2027305 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2027301 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2027298 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2027292 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2027293 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2027295 | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2027304 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2031274 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2031272 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2031273 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2031276 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2031275 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2036247 | XXXX | 4 | 2 | 4 | 1 | 2 | 2 | 1 | 1 D B A |
| XXXX | 2036246 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2036245 | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2036248 | XXXX | 4 | 2 | 4 | 2 | 1 | 1 | 1 | 1 D B A |
| XXXX | 2036252 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2036249 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2036250 | XXXX | 4 | 2 | 1 | 1 | 4 | 2 | 1 | 1 D B A |
| XXXX | 2036251 | XXXX | 3 | 2 | 1 | 1 | 2 | 2 | 3 | 1 C B A |
| XXXX | 1906251 | XXXX | 3 | 3 | 3 | 1 | 1 | 1 | 3 | 3 C A |

---

## Exhibit 99.20

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.20**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 2000475 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024117 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2024103 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024131 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 2023935 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |
| XXXX | 2023934 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2029624 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |
| XXXX | 2029621 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.915% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031268 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031425 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024123 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2037731 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2037713 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2029629 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029627 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013716 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.654% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |
| XXXX | 2027294 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.538% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024162 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2031274 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| XXXX | 2029642 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2024138 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2027295 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2033630 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2033626 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2033594 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2005423 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2037722 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2033624 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2026673 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033578 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024130 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2037735 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2037724 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.982% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -26.910% | XXXX |  | XX/XX/XXXX |  |  |  |  |  | XXXX | XXXX | -25.249% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 9.091% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.778% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.222% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.935% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.466% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.297% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023928 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031258 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024178 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2031262 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037732 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2024119 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2013722 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2037725 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037718 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2018554 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2026674 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 2023930 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024110 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2033627 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2026691 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2024167 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024170 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004C | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.720% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  | 1004 |  |  |  |  |  |  |  | XXXX | XXXX | -0.298% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.390% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX | XXXX | XXXX | 5.005% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.333% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.226% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 6.154% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX | XXXX | XXXX | 6.667% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.542% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.163% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -10.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.931% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.882% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -12.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.302% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 3.478% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | 8.633% | XXXX | 0.83 | 0.17 | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.417% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.667% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.685% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 28.713% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.091% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX | XXXX | XXXX | 18.333% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  | XXXX | XXXX | -12.500% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.333% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016530 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031263 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033591 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2037669 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 8.667% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002091 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2031266 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024173 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2037720 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033634 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2033571 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -16.547% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |
| XXXX | 2037679 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037679 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037679 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.680% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2037679 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037679 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 2037679 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2037679 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037679 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037679 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.317% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037679 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX | XXXX | XXXX | 0.592% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| XXXX | 2037679 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037679 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037679 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2037679 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2037679 | XXXX | XXXX | XXXX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2022594 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2034753 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013707 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2023944 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.488% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029635 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2037672 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.21

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.21**

---

| | | |
|:---|:---|:---|
| **Report Pulled:** | 7/10/2025 |  |
| **Loan Count:** | 378 / 422 |  |
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Amortization Term in Months | 27 | 7.14% |
| Appraised Value | 9 | 2.38% |
| CLTV | 6 | 1.59% |
| Debt Service Coverage Ratio | 196 | 51.85% |
| First Payment Due Date | 2 | 0.53% |
| Loan Purpose | 58 | 15.34% |
| LTV | 15 | 3.97% |
| Maturity Date | 3 | 0.79% |
| Original Interest Rate | 1 | 0.26% |
| Original Loan Amount | 1 | 0.26% |
| Original Qualifying FICO Score | 3 | 0.79% |
| Origination/Note Date | 123 | 32.54% |
| Originator Back-End DTI | 13 | 3.44% |
| Property Type | 22 | 5.21% |
| Sales Price | 1 | 0.24% |
| Subject Street Address | 1 | 0.24% |
| The Original Principal and Interest Payment Amount | 4 | 1.06% |

---

## Exhibit 99.22

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.22**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Report Pulled:** | 7/10/2025 |  |  |  |  |  |
| **Loan Count:** | 378 / 422 |  |  |  |  |  |
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 2031424 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2031424 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037672 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037672 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037672 | XXXX | Property Type | Co-op | 2 Family |
| XXXX | XXXX | 2037672 | XXXX | Property Type | Co-op | 2 Family |
| XXXX | XXXX | 2037672 | XXXX | Property Type | Co-op | 2 Family |
| XXXX | XXXX | 2037677 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037676 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037676 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037674 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037674 | XXXX | Loan Purpose | Refi Cashout | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2037674 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037675 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037675 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2037678 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2037678 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037678 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2037678 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2037678 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037673 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037671 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037671 | XXXX | Subject Street Address | XXXX | XXXX |
| XXXX | XXXX | 2037667 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037667 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037669 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037669 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037668 | XXXX | First Payment Due Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037668 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037668 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037666 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037666 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037679 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2037679 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037679 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2037679 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037679 | XXXX | Property Type | SFR | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2037679 | XXXX | Property Type | SFR | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2037679 | XXXX | Property Type | SFR | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2037679 | XXXX | Property Type | SFR | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2037679 | XXXX | Property Type | SFR | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 1916106 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 1916056 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 1916056 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2031269 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2031269 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2031269 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2031269 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2022591 | XXXX | Property Type | SFR | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 1947953 | XXXX | Loan Purpose | Refinance (Rate/Term) | Cash Out: Debt Consolidation- Proceeds used to pay |
| XXXX | XXXX | 2031266 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2031266 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2031266 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2031266 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2031267 | XXXX | Loan Purpose | Refinance (Rate/Term) | Cash Out: Debt Consolidation- Proceeds used to pay |
| XXXX | XXXX | 2031265 | XXXX | Loan Purpose | Refinance (Cash Out) | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2007294 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2031260 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2031260 | XXXX | Loan Purpose | Refinance (Cash Out) | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2031260 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2031255 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2031258 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2031258 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2031254 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2031254 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2031253 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2031253 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2031251 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2031251 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2031251 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2031249 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2031249 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2031247 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2031248 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2031248 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2031246 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2031246 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2031246 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 1695941 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2024116 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2027292 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1989443 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024115 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024115 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024113 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2024113 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024113 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024118 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1998372 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020207 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2029621 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029621 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2029624 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029624 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033570 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033570 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024114 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024114 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2029623 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029623 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033573 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033573 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2029622 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2029622 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029622 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033571 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2033571 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2033571 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033571 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2033571 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033571 | XXXX | Sales Price | XXXX | XXXX |
| XXXX | XXXX | 2024117 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024117 | XXXX | First Payment Due Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024117 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2029626 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2029626 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029626 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2029627 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020311 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2020311 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020311 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024119 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024128 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2024128 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024128 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024131 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2024131 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024134 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2024134 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024134 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024135 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2024135 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024135 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024132 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2024132 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024132 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024129 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2024129 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024129 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024133 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024130 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2024130 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024130 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024144 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024144 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024146 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2024146 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024146 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024148 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2024148 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024148 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024149 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2024149 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024149 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024147 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2024147 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024151 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2024151 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024151 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024145 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2024145 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024145 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024150 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024150 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024153 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2024153 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024153 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024157 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2024157 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024158 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024158 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2029629 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029629 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024159 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024159 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033572 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033572 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2029628 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2029628 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029628 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024160 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024160 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033575 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2033575 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2033575 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033575 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2033575 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024178 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2020206 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2024155 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024155 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024156 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024154 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024154 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033574 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2033574 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033576 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2033576 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020317 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2024161 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024161 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024167 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024167 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024164 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024168 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024168 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024165 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029630 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024163 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024162 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024162 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024169 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024169 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2029619 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2024172 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024172 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024171 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024171 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033578 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033578 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037711 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037711 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024175 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024175 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2029631 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029631 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2029632 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033577 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037712 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037712 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024173 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024173 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024174 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024174 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024170 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029633 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029633 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033605 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2033605 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2024176 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024104 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024109 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024109 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037713 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037713 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037714 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037714 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033579 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033579 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024107 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024111 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024111 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024108 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024106 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024177 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2024179 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2020202 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2024110 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024110 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024105 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024105 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2029635 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029634 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029634 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024120 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024120 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024125 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024122 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024122 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024124 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024124 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024180 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2029636 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029637 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029637 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2029638 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029639 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024126 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024126 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024103 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2024103 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024103 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024103 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2024123 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024123 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037717 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037717 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2029642 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029642 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024112 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2024112 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024112 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024112 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2024127 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024127 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024121 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033580 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033580 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024136 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029640 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024139 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024139 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037744 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2024138 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2024138 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037715 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024140 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024140 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024137 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024137 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2029641 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029641 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033582 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2033582 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024152 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024152 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037718 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037718 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024141 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029643 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024143 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024143 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033584 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033584 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037720 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037720 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2029644 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2029644 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029644 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037721 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037721 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037719 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037719 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033583 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033583 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033585 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033585 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037722 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037722 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033588 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033588 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033586 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029645 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029645 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037724 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037724 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033587 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033587 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2024142 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2024142 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2024142 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2029648 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029648 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033590 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033590 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037723 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037723 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033589 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033589 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037725 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033591 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033592 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033592 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037726 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037726 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037727 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037727 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037728 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037728 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037729 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037729 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037730 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033594 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033594 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037733 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037733 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033593 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037732 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037732 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037731 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037731 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033595 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033595 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2037734 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037734 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033597 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033597 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2029646 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037735 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037735 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2029647 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2029647 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033606 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033606 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2037736 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037738 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037738 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 2033596 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037740 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037742 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2037739 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2036253 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2027294 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2027297 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2027298 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2027299 | XXXX | Loan Purpose | Purchase | First Time Home Purchase, as defined by American R |
| XXXX | XXXX | 2027299 | XXXX | Property Type | Townhouse | 1 Family Attached |
| XXXX | XXXX | 2027300 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2027300 | XXXX | Property Type | SINGLE FAMILY | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2027302 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2027302 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2027302 | XXXX | Property Type | SINGLE FAMILY | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2027304 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2027305 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2036248 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2036248 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2031275 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2027309 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2031276 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2036251 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2036251 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2036251 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2036251 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2000479 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2033624 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000542 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000542 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2000505 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2000505 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2000505 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2000505 | XXXX | Property Type | Detached | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2026694 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2018551 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2005423 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2000489 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2026676 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000475 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2002091 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2016528 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2016530 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2026672 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2009843 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2013716 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2013716 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013716 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2033626 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2023925 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2009846 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2026673 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2023926 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2023927 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2013733 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2013733 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2023929 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2023929 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2023929 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2026682 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2023930 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2033627 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2023931 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2023932 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2034748 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2027374 | XXXX | Loan Purpose | Purchase | First Time Home Purchase, as defined by American R |
| XXXX | XXXX | 2027375 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2027375 | XXXX | Loan Purpose | Purchase | First Time Home Purchase, as defined by American R |
| XXXX | XXXX | 2023942 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2026681 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2026688 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2013736 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2023934 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2036801 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2027371 | XXXX | Property Type | Detached | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2033628 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2034747 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2034747 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2026687 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2033629 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2026689 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2023943 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2026690 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2034752 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2034750 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2027373 | XXXX | Loan Purpose | Purchase | First Time Home Purchase, as defined by American R |
| XXXX | XXXX | 2033631 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |
| XXXX | XXXX | 2033632 | XXXX | Loan Purpose | Purchase | Other-than-first-time Home Purchase |

---

## Exhibit 99.23

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.23**

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| **Loan Number** | **Loan ID** | **Program** | **Document Type** | **Asset Depletion Flag** | **Length of Income Verification in months** | **Investment DSCR (Rent/PITIA)** | **Rent DSCR** | **PITIA DSCR** | **Number of Borrowers** | **Number of Natural Borrowers** | **Borrower/Guarantor Resident Indicator National** | **Co Borrower/Guarantor Resident Indicator** | **Borrower 3/Guarantor Resident Indicator** | **Borrower 4/Guarantor Resident Indicator** | **Borrower Guarantor/Employment Indicator** | **Co Borrower/Guarantor Employment Indicator** | **Borrower 3 Employment Indicator** | **Borrower 4 Employment Indicator** | **TILA Status** | **Lease in-Place for Investment Property** | **Short Term Rental Flag** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11 (Application Date)** | **Months Bankruptcy 13 (Application Date)** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu (Application Date)** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC) (Application Date)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure (Application Date)** |
| XXXX | 2031425 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2034753 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031424 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037672 | 30 Yr Fixed DSCR | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037677 | 30 Yr Fixed DSCR | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037676 | 30 Yr Fixed DSCR | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037674 | 30 Yr Fixed DSCR | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037675 | 30 Yr Fixed DSCR | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037678 | 30 Yr Fixed DSCR | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037673 | 30 Yr Fixed DSCR | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037671 | 30 Yr Fixed DSCR | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 | XXXX | XX/XX/XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037667 | 30 Yr Fixed DSCR | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037669 | 30 Yr Fixed DSCR | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037668 | 30 Yr Fixed DSCR | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037666 | 30 Yr Fixed DSCR | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037670 | 30 Yr Fixed DSCR | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037679 | 30 Yr Fixed DSCR | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031268 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2022595 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2022594 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2022589 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916056 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2022592 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2022593 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2022591 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2022590 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1947953 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031266 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031267 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031265 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031259 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031264 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031262 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007294 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031263 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031260 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031255 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031261 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031258 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031256 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031252 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031254 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031253 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031250 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031251 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031249 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031247 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031248 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031246 |  | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1695941 | AHL CORR Rising Star - Fixed 30 Yr | 1 Year Alt Doc | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1906251 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024116 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027292 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027291 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027293 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1989443 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024115 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024113 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024118 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998372 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020207 | AHL WS Prime Star - Fixed 30 Yr | Business Bank Stmt: 24 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029621 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029624 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033570 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024114 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029623 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033573 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029622 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033571 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024117 | AHL CORR - NON-DEL Invest Star Plus - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029626 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029627 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020311 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024119 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024128 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024131 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024134 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024135 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024132 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024129 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024133 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024130 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024144 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024146 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024148 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024149 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024147 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024151 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024145 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024150 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024153 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024157 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024158 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029629 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024159 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033572 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029628 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024160 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033575 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024178 | AHL WS All Star - Fixed 30 Yr | Personal Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020206 | AHL WS All Star - Fixed 30 Yr | Full Doc | 0 | XXXX |  |  |  | 2 | XXXX | XXXX | XXXX |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024155 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024156 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024154 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033574 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033576 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020317 | AHL WS Rising Star - Fixed 30 Yr | Personal Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024161 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024167 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024164 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024168 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024165 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029630 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024163 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024162 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024169 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029619 | AHL CORR - NON-DEL All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 2 | XXXX | XXXX | XXXX |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024172 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024171 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033578 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 4 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037711 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024175 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029631 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029632 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033577 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 4 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037712 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024173 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024174 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024170 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029633 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033605 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 24 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024176 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024104 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024109 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037713 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037714 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033579 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024107 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024111 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024108 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024106 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024177 | AHL WS All Star - Fixed 30 Yr | 1 Year Alt Doc | 0 | XXXX |  |  |  | 2 | XXXX | XXXX | XXXX |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024179 | AHL WS Rising Star - Fixed 30 Yr | 1 Year Alt Doc | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020202 | AHL WS All Star - Fixed 30 Yr | Full Doc | 0 | XXXX |  |  |  | 2 | XXXX | XXXX | XXXX |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033581 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024110 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024105 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029635 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029634 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024120 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024125 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024122 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024124 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024180 | AHL WS Rising Star - Fixed 30 Yr | Business Bank Stmt: 24 Mos | 0 | XXXX |  |  |  | 2 | XXXX | XXXX | XXXX |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029636 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029637 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029638 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029639 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024126 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024103 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024123 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037717 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029642 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024112 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024127 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024121 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033580 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024136 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029640 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037716 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024139 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037744 | AHL WS All Star - Fixed 30 Yr | Full Doc | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024138 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037715 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024140 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024137 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029641 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033582 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024152 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037718 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024141 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029643 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024143 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033584 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037720 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029644 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037721 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037719 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033583 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033585 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037722 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033588 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033586 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029645 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037724 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033587 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2024142 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029648 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033590 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037723 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033589 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037725 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033591 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033592 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037726 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037727 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037728 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037729 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037730 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033594 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037733 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033593 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037732 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037731 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033595 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037734 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033597 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029646 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037735 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2029647 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033606 | AHL WS Rising Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037736 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037738 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033596 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037740 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037742 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037739 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2036249 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2036253 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2036250 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027294 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2036252 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2036247 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027295 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2036245 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027296 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2036246 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027297 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027298 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027299 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031274 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027300 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027301 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031272 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027302 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027303 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027304 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027305 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027306 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027307 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2036248 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2036254 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031275 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031273 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027308 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027309 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031276 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2036251 | Single Property Rental | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000479 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033624 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000542 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002108 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027372 | Non-QM 30 Year Fixed I/O Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002103 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005419 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 2 | XXXX | XXXX | XXXX |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000505 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026694 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018551 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005423 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000488 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000489 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023946 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026676 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000475 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023923 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013707 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002091 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013706 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018552 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016528 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023924 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016530 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026672 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002092 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033625 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009843 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013716 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013712 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033626 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023925 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018557 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | 1 Year Alt Doc | 0 | XXXX |  |  |  | 2 | XXXX | XXXX | XXXX |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016521 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | 2 Year Alt Doc | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009846 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023944 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 2 | XXXX | XXXX | XXXX |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023936 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013715 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026673 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023926 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026692 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013722 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027368 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023927 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013733 | Non-QM 30 Year Fixed I/O Bank Statement / Flex Income E39 | Full Doc | 0 | XXXX |  |  |  | 2 | XXXX | XXXX | XXXX |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023928 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013723 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023929 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026682 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026691 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023930 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018554 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026674 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Full Doc | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023945 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033627 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023931 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023932 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2034748 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027374 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027375 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023942 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026681 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026675 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023933 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026688 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016527 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 2 | XXXX | XXXX | XXXX |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013736 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Full Doc | 0 | XXXX |  |  |  | 2 | XXXX | XXXX | XXXX |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026677 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023934 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026678 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Full Doc | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023935 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 2 | XXXX | XXXX | XXXX |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020102 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027369 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2036801 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023939 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026680 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027378 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026679 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031240 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033630 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026684 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027370 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026683 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023941 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 2 | XXXX | XXXX | XXXX |  |  | 1 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023937 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2034746 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027371 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Full Doc | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027379 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031244 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 2 | XXXX | XXXX | XXXX |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031241 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 2 | XXXX | XXXX | XXXX |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033628 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023938 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2034747 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026685 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026686 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026687 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX | XXXX |  | 0 | 0 | 0 |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031242 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2034749 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027377 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027376 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033629 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Full Doc | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031243 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 2 | XXXX | XXXX | XXXX |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026689 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2036802 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023943 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Full Doc | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026690 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023940 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2034752 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Full Doc | 0 | XXXX |  |  |  | 2 | XXXX | XXXX | XXXX |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031245 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2034750 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2034751 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026693 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2027373 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Full Doc | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033631 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 3 | XXXX | XXXX | XXXX |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033632 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033634 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | XXXX | XXXX | XXXX | XXXX | 2 | XXXX | XXXX |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2036803 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 1 | XXXX | XXXX |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2033633 | Non-QM 30 Year Fixed I/O Bank Statement Investment / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | XXXX |  |  |  | 2 | XXXX | XXXX |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.24

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.24**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **QM Status** | **ATR** | **Exempt Reason** | **TRID Flag** | **Bank Statement Flag** | **Business/Personal Bank Statement** | **Foreign National Flag** | **Bank Statement Months** | **Number of Units** | **Lease In Place Indicator** | **Short Term Rental indicator** | **Title Vesting Type** | **Entity Name** | **Guarantee** | **Recourse** | **AUS/GSE Eligible Flag** | **Non-QM DocType Flag** | **Non-QM DTI Flag** | **Non-QM Points and Fees Flag** | **Non-QM Appendix Q Flag** | **Non-QM IO Flag** | **Non-QM Investment Property Exemption Flag** | **Non-QM Business Purpose / Foreign National** | **Non-QM Loan Term Exceeds 30 yrs** | **Primary Borrower Retired Flag** | **Co-Borrower Retired Flag** | **State of Formation** | **Length of Self-Employment** | **Co-Borrower Length of Self-Employment** | **Qualifying Rent** | **Rent from Lease** | **Rent from Market Survey** | **Business Expense-to-Income Ratio** | **Source of Business Expense-to-Income Ratio** | **Third Party Preparer** | **Debt Service Coverage Ratio (DSCR)** | **Rent Source** | **DSCR PITIA** | **Residual Income** | **Borr 1 - Income Qual Months Personal Bank Statements** | **Borr 1 - Income Qual Months Business Bank Statements** | **Borr 1 - Income Qual Years W2** | **Borr 1 - Income Qual Years Tax Returns** | **Borr 1 - Income Qual WVOE Months** | **Borr 1 - Income Qual PNL Letter** | **Borr 1 - Income Qual CPA Letter** | **Borr 1 - Income Qual Number Paystubs** | **Borr 2 - Income Qual Months Personal Bank Statements** | **Borr 2 - Income Qual Months Business Bank Statements** | **Borr 2 - Income Qual Years W2** | **Borr 2 - Income Qual Years Tax Returns** | **Borr 2 - Income Qual WVOE Months** | **Borr 2 - Income Qual PNL Letter** | **Borr 2 - Income Qual CPA Letter** | **Borr 2 - Income Qual Number Paystubs** |
| XXXX | 2031425 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031425 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031425 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031425 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031425 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2034753 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2034753 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2034753 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2034753 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2034753 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031424 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037672 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037672 |  |  |  |  |  |  |  |  | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037672 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037672 |  |  |  |  |  |  |  |  | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037677 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037676 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037674 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037675 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037678 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037673 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037671 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037667 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037669 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2037668 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037666 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037670 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037679 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037679 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037679 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037679 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037679 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2037679 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1916106 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031268 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2022595 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2022595 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2022595 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2022595 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2022595 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2022595 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2022595 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2022594 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2022594 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2022594 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2022589 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1916056 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031269 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031269 |  |  |  |  |  |  |  |  | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031269 |  |  |  |  |  |  |  |  | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2022592 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2022593 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2022591 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2022590 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1947953 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031266 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031266 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031266 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031266 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031266 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031267 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031265 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031259 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031264 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031262 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007294 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031263 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031260 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031255 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031261 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031258 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031256 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031252 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031254 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031253 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031250 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031251 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031249 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031247 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031248 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031246 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031246 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031246 |  |  |  |  |  |  |  |  | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031246 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2031246 |  |  |  |  |  |  |  |  | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1695941 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1906251 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024116 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2027292 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2027291 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2027293 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1989443 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2024115 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024113 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024118 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1998372 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2020207 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2029621 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2029624 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033570 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024114 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029623 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033573 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029622 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033571 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024117 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029626 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029627 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2020311 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2024119 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2024128 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024131 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024134 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024135 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024132 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024129 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024133 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024130 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024144 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024146 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024148 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024149 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024147 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024151 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024145 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024150 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024153 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024157 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024158 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029629 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024159 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033572 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029628 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024160 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033575 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024178 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2020206 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024155 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024156 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024154 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033574 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2033576 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2020317 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2024161 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2024167 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2024164 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024168 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 |  | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2024165 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029630 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024163 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024162 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024169 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029619 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024172 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2024171 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033578 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037711 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024175 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029631 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029632 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033577 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037712 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2024173 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024174 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024170 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2029633 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2033605 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2024176 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2024104 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024109 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037713 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037714 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033579 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2024107 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024111 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024108 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024106 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024177 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024179 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2020202 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033581 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024110 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024105 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029635 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029634 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024120 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024125 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024122 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2024124 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2024180 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029636 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2029637 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029638 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029639 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024126 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024103 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024123 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037717 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029642 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024112 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024127 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024121 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033580 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024136 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2029640 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037716 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2024139 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037744 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2024138 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037715 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024140 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024137 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029641 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2033582 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2024152 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037718 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2024141 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2029643 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024143 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033584 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037720 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029644 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2037721 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037719 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033583 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033585 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037722 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2033588 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2033586 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029645 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037724 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2033587 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2024142 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029648 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033590 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037723 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033589 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037725 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033591 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033592 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037726 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037727 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037728 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037729 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037730 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033594 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037733 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033593 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037732 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2037731 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033595 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037734 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033597 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2029646 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037735 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2029647 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033606 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2037736 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037738 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033596 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037740 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037742 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2037739 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2036249 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2036253 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2036250 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2027294 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2036252 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2036247 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2027295 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2036245 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2027296 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2036246 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2027297 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2027298 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2027299 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031274 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2027300 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2027301 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031272 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2027302 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2027303 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2027304 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2027305 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2027306 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2027307 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2036248 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 1 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2036254 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031275 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2031273 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2027308 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2027309 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2031276 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2036251 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000479 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 0 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 1 | 1 | 1 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2033624 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000542 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002108 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2027372 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002103 | Non-QM Non-Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2005419 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000505 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2026694 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2018551 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2005423 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000488 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000489 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 1 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2023946 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2026676 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000475 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2023923 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2013707 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002091 | GQM Exempt - Business Purpose | N/A | Business Purpose | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2013706 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2018552 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2016528 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2023924 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2016530 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2026672 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002092 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2033625 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2009843 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2013716 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2013712 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2033626 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2023925 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2018557 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2016521 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2009846 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2023944 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2023936 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2013715 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2026673 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2023926 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2026692 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2013722 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2027368 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2023927 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2013733 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2023928 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2013723 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2023929 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2026682 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2026691 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2023930 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2018554 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2026674 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2023945 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033627 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2023931 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2023932 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2034748 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2027374 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2027375 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2023942 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2026681 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2026675 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2023933 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2026688 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2016527 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2013736 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2026677 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2023934 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2026678 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 1 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2023935 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2020102 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2027369 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2036801 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2023939 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2026680 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2027378 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2026679 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031240 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2033630 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2026684 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2027370 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2026683 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2023941 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2023937 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2034746 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2027371 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2027379 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2031244 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031241 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033628 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2023938 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2034747 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2026685 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2026686 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2026687 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031242 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2034749 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2027377 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2027376 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033629 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2031243 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2026689 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2036802 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2023943 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2026690 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2023940 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2034752 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2031245 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2034750 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2034751 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2026693 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2027373 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2033631 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2033632 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2033634 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2036803 | Non-QM Verified | N/A |  | 1 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2033633 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | XXXX | 0 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | Yes | XXXX | 0 | 1 | 1 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |

---

## Exhibit 99.25

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.25**

![](ex9925001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

EFMT 2025-NQM3

Dated: July 14, 2025

**6136 Frisco Square Blvd. \| Suite 350 \| Frisco, TX 75034**<br> **P: 888.892.1843** **\| evolvemortgageservices.com**<br>

![](ex9925002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by, Ellington Management Group, LLC (the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size of the assets reviewed.**

The final population of the Review covered 240 loans, including 163 Residential and 77 Business Purpose Loans totaling an aggregate original principal balance of approximately $120,439,597.00. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Fitch Ratings Inc and Kroll Bond Rating Agency, LLC (KBRA), the NRSRO's identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

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|:---|:---|:---|
| ![](ex9925003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

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Forward Thinking. Seamless Solutions.

**<u>Document Review</u>**

For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

**<u>Credit Review</u>**

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine there are sufficient funds for the required equity in the project. Conformity to applicable guidelines will all be assessed during the review. An income calculation will not be performed though the presence of income documentation if required by the guidelines will be noted.

*Credit Application*

For the Credit Application, Evolve will verify whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

*Credit Report*

Evolve will verify (a) a credit report is present for each borrower/ guarantor, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

*Borrowing Entity*

Evolve will verify the borrowing entity, if not an individual, is properly documented. In addition, Evolve will verify if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.

*Property Income*

Evolve will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may

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| ![](ex9925003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

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Forward Thinking. Seamless Solutions.

include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

*Employment and Income:* 

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

*Valuation Review*

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

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

Other aspects of Evolve's review include (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

*Asset Review*

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| ![](ex9925003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

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Forward Thinking. Seamless Solutions.

Evolve will assess whether the asset documentation required by the guidelines is present in the file. Evolve will verify that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

*Insurance*

Evolve will (a) look for the presence of rent loss insurance as required by the guidelines, (b) verify that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirm that the flood cert is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood cert, confirm that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

*Title*

Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.

*Fraud / Criminal Background*

To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, Evolve will look for an independent, third party fraud report and background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

**<u>Debt Service Coverage Ratio (DSCR)</u>**

● Calculate DSCR as required by the guidelines

**<u>Data Collection</u>**

Evolve will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by Evolve. All material discrepancies will be noted.

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| ![](ex9925003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

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![](ex9925002.jpg)

Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;163 | &nbsp;&nbsp;67.92% | &nbsp;&nbsp;163 | &nbsp;&nbsp;67.92% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;77 | &nbsp;&nbsp;32.08% | &nbsp;&nbsp;77 | &nbsp;&nbsp;32.08% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**240** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**240** | &nbsp;&nbsp;**100.00%** |

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**Credit Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;134 | &nbsp;&nbsp;55.83% | &nbsp;&nbsp;134 | &nbsp;&nbsp;55.83% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;106 | &nbsp;&nbsp;44.17% | &nbsp;&nbsp;106 | &nbsp;&nbsp;44.17% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**240** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**240** | &nbsp;&nbsp;**100.00%** |

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**Property Valuation Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;238 | &nbsp;&nbsp;99.17% | &nbsp;&nbsp;238 | &nbsp;&nbsp;99.17% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.83% | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.83% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**240** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**240** | &nbsp;&nbsp;**100.00%** |

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| ![](ex9925003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

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![](ex9925002.jpg)

Forward Thinking. Seamless Solutions.

**Overall Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;134 | &nbsp;&nbsp;55.83% | &nbsp;&nbsp;134 | &nbsp;&nbsp;55.83% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;106 | &nbsp;&nbsp;44.17% | &nbsp;&nbsp;106 | &nbsp;&nbsp;44.17% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**240** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**240** | &nbsp;&nbsp;**100.00%** |

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**Data Results Summary**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;8 | &nbsp;&nbsp;240 | &nbsp;&nbsp;3.33% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;19 | &nbsp;&nbsp;240 | &nbsp;&nbsp;7.92% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;152 | &nbsp;&nbsp;240 | &nbsp;&nbsp;63.33% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;16 | &nbsp;&nbsp;240 | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;240 | &nbsp;&nbsp;0.42% |
| &nbsp;&nbsp;Mtg Pymt | &nbsp;&nbsp;2 | &nbsp;&nbsp;240 | &nbsp;&nbsp;0.83% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;240 | &nbsp;&nbsp;1.25% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;240 | &nbsp;&nbsp;0.42% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;16 | &nbsp;&nbsp;240 | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;18 | &nbsp;&nbsp;240 | &nbsp;&nbsp;7.50% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;240 | &nbsp;&nbsp;0.42% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;240 | &nbsp;&nbsp;0.42% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;18 | &nbsp;&nbsp;240 | &nbsp;&nbsp;7.50% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;70 | &nbsp;&nbsp;240 | &nbsp;&nbsp;29.17% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;5 | &nbsp;&nbsp;240 | &nbsp;&nbsp;2.08% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;6 | &nbsp;&nbsp;240 | &nbsp;&nbsp;2.50% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;13 | &nbsp;&nbsp;240 | &nbsp;&nbsp;5.42% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;240 | &nbsp;&nbsp;0.83% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;85 | &nbsp;&nbsp;240 | &nbsp;&nbsp;35.42% |

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| ![](ex9925003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

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Forward Thinking. Seamless Solutions.

**APPENDIX A**

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

 ****

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

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

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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Forward Thinking. Seamless Solutions.

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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|  | vi) | any material disclosure violation on a rescindable loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures; |
| b) | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> |

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures; and

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

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

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

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

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

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

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

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

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

c) <u>Mandatory Arbitration Clauses (§1026.36):</u>

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

 

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

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

 

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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

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

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

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

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

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

Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**(XIII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

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

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## Exhibit 99.26

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.26**

![](evolve.jpg)

**Rating Agency Grades**

**Run Date - 07/16/2025 11:00:29 AM**

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1425384 | XXXXXXXX | XXXXXXXX | XXXXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1445962 | XXXXXXXX | XXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643392 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1643393 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432760 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643394 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1642002 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1640130 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1643395 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1641028 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1643582 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643396 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643583 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643584 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643397 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1643398 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643399 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643400 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643401 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643402 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643403 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643404 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643405 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643406 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643407 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643408 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643409 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643410 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643411 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643412 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1643413 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643414 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643415 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1643416 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643417 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1643418 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643419 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643420 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1643421 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643422 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1643423 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1643424 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643425 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643426 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643427 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643428 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643429 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1643430 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1643431 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643432 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1643433 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643434 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643435 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643436 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643437 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643438 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643439 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643440 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643441 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643442 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1643443 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1643444 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643445 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643446 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643447 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643448 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643449 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643450 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643451 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643452 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643453 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643454 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643455 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643456 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643457 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643458 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643459 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643460 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643461 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643462 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643463 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643464 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643465 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643466 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643467 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643468 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1643469 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643470 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643471 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643472 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643473 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643474 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643475 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643476 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643477 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643478 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643479 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643480 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643481 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643482 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643483 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1643484 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643485 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643486 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643487 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643488 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643489 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643490 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643699 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643491 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643492 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1668586 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| 1643493 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643494 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643585 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643495 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643496 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643497 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1643498 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1643499 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643500 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643501 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643502 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643503 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1643504 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643505 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643506 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643507 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643508 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643509 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643510 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643511 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1643512 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643513 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1643514 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643515 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643516 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643517 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643518 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643519 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643520 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643521 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643522 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643523 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643524 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643525 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643526 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643527 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643528 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643529 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643530 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643531 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643532 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643533 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643534 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643535 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643536 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A C D B | N/A | N/A | N/A | N/A | N/A B |
| 1643701 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643537 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643538 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643539 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643540 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1643541 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643542 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643543 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643544 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643545 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643546 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643547 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1643548 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643549 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643550 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1643551 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1643702 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 1643552 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1668589 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643703 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643553 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643554 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643555 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643556 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643557 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643558 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643704 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643559 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643560 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1668599 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643561 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643562 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1668604 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643563 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643564 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1668608 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643565 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643705 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643566 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643567 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643568 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643706 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643707 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1643569 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1643708 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643570 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1643709 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1643571 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1668614 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1668615 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1643710 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1643572 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643711 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643573 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1668616 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1668618 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1643713 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643574 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1668619 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1668620 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643575 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1643576 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1643714 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643715 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1668623 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1643716 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1643577 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1643578 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643579 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643580 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643718 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1668626 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643719 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1668627 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | D | D | D | D | D A | A | A | A | A | A |
| 1668629 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1643720 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1643581 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643721 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1668637 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1668638 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1643723 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1668642 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1668643 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |

---

## Exhibit 99.27

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.27**

![](evolve.jpg)

**Exception Detail**

**Run Date - 07/14/2025 11:18:05 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1425384 | XXXX | XXXX | 6924959 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Approval does not indicate doc type. XXXX documentation not provided. XXXX does elude to bonus income. | Updated approval provided |  |  | 12/06/2022 |  | A | 1 | XXXXXX | FL | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1425384 | XXXX | XXXX | 6928394 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Income documentation for borrower is required. | received |  |  | 09/08/2022 |  | A | 1 | XXXXXX | FL | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1425384 | XXXX | XXXX | 6924452 | 959 | XXXXXX | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | Starting balance on XXXXX ($XX,XXX.XX) does not match initial escrow payment at closing shown on XX ($XX,XXX.XX) | Information provided |  | Reviewer 09/09/2022 10:33 AM; No documentation provided<br>| 12/07/2022 |  | A | 1 | XXXXXX | FL | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1425384 | XXXX | XXXX | 6924570 | 891 | XXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | The intial XX is missing from the file | Information provided |  |  | 09/09/2022 |  | A | 1 | XXXXXX | FL | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1425384 | XXXX | XXXX | 6924571 | 902 | XXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 12/13/2022 |  | A | 1 | XXXXXX | FL | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1425384 | XXXX | XXXX | 6924573 | 840 | XXXXXX | Compliance | Disclosure |  | Disclosure - HPML- need evidence of rate lock date with borrower |  | Unable to determione rate lock | Information provided |  |  | 09/09/2022 |  | A | 1 | XXXXXX | FL | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1425384 | XXXX | XXXX | 6950579 | 846 | XXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Please provide XXXXXX XXXXX XXXXX list issued within X days of application. | Information provided |  |  | 11/22/2022 |  | A | 1 | XXXXXX | FL | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1432760 | XXXXXXXX | XXXXXXXX | 6949753 | 322 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | Minimum FICO is 640; borrowers are at 630 |  | The exception to use Borrower 1 score of 630 as FICO was granted with the following compensating factors: 37% LTV; 5 years in subject property; SE 15 years (50/50 owners) and consolidating all debts. |  |  |  | 08/16/2022 B | 2 | XXXXXX | AZ | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640130 | XXXXXXXX | XXXXXXXX | 7144821 | 895 | XXXXXX | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | XXXXX proof borrower received XXX XX days prior to consummation. | Information provided |  |  | 04/17/2025 |  | A | 1 | XXXXXX | NJ | 2 | 1 C B | C | A |  | Non-QM | 1 |
| 1640130 | XXXXXXXX | XXXXXXXX | 7144822 | 884 | XXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 04/17/2025 |  | A | 1 | XXXXXX | NJ | 2 | 1 C B | C | A |  | Non-QM | 1 |
| 1640130 | XXXXXXXX | XXXXXXXX | 7144823 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX XXXXX income/tax returns for the borrower's consulting business used to qualify and XXXX indicating percentage owned by borrower as XXXX letter in file indicates the spouse also owns the business. XXXX credit review is on hold until documents are received. | Income documentation received |  |  | 04/21/2025 |  | A | 1 | XXXXXX | NJ | 2 | 1 C B | C | A |  | Non-QM | 1 |
| 1640130 | XXXXXXXX | XXXXXXXX | 7144824 | 384 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | XXXXX XXXX XXXXX XXXXXXX XXXX XXXXX earnings/returns supporting XXXXXXX monthly income | received XXXXX XXXX XXXXXXX |  | Reviewer 04/23/2025 02:40 PM; \*\*\*\*Return to XXX when received\*\*\*\*\*<br>| 04/24/2025 |  | A | 1 | XXXXXX | NJ | 2 | 1 C B | C | A |  | Non-QM | 1 |
| 1640130 | XXXXXXXX | XXXXXXXX | 7144825 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for second home with XXXXX under XXXX XXXXX - exception needed for XXXX |  | Exception granted: XXXXX XXXX needed-def set. XXXXX XXXX - reserves XXXXXXX score XXXXX residual income XXXX |  |  |  | 04/23/2025 B | 2 | XXXXXX | NJ | 2 | 1 C B | C | A |  | Non-QM | 1 |
| 1640130 | XXXXXXXX | XXXXXXXX | 7144826 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX satisfactory compensating factors for exception to exceed XXXX over XXX | Comp XXXX - reserves XXXXXXX score XXXXX residual income XXXX |  |  | 04/24/2025 |  | A | 1 | XXXXXX | NJ | 2 | 1 C B | C | A |  | Non-QM | 1 |
| 1641028 | XXXXXXXX | XXXXXXXX | 7144831 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX schedule is listing business property used in repayment income from XXXX XXXX XXXXX XXXX with a rental loss of XXXXXXX XXXXX satisfactory XXXX describing separation from the same XXXX statements used for repayment. | REO XXXXX |  |  | 04/29/2025 |  | A | 1 | XXXXXX | NV | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1641028 | XXXXXXXX | XXXXXXXX | 7144832 | 387 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXXXX evidence of monthly taxes of XXXXXX and XXXX XXXXXX for property located at XXXX XXXX XXXX | Mortgage payment is escrowed with taxes and insurance. XXXX is XXXX XXXXX XXX |  |  | 03/25/2025 |  | A | 1 | XXXXXX | NV | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1641028 | XXXXXXXX | XXXXXXXX | 7144833 | 387 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXXXX evidence of monthly taxes of XXXXXXX XXXXXX XXXXXX and XXXX XXXX for property located at XXXX XXXX XXXX XXXX | received expense documentation |  |  | 03/25/2025 |  | A | 1 | XXXXXX | NV | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1641028 | XXXXXXXX | XXXXXXXX | 7144834 | 387 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXXXX evidence of monthly insurance of XXXXXX for property located at XXXXX XX XXXXXX XXXX | XXXX and XXXXXXX properties have the XXXX switched; however, within tolerance. XXXX not request change. |  |  | 03/25/2025 |  | A | 1 | XXXXXX | NV | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1641028 | XXXXXXXX | XXXXXXXX | 7144835 | 387 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXXXX evidence of monthly taxes of XXXX and ins XXXXXX and evidence there is no XXXX for property located at XXXXX XX XXXXXXX XXXXX XXXXX | received property expense. XXXXX is office building no XXX |  |  | 03/25/2025 |  | A | 1 | XXXXXX | NV | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1641028 | XXXXXXXX | XXXXXXXX | 7144836 | 387 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXXXX evidence of monthly taxes of XXXXXX and XXXX XXXXXX for property located at XXXX XXXXX XXXX | received expense documentation |  |  | 03/25/2025 |  | A | 1 | XXXXXX | NV | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1641028 | XXXXXXXX | XXXXXXXX | 7144837 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXX updated XXXXX XXXXXXX questionnaire for XXXX XXXX XXXXX XXXX dated within XXX days of note date XXXXX | Received updated XXX |  |  | 05/14/2025 |  | A | 1 | XXXXXX | NV | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1641028 | XXXXXXXX | XXXXXXXX | 7144838 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX new business loans with XXXX XXXXX and XXXX dated XXXX to be evidenced paid with business accounts included in XX | Business XXXX statements provided |  | Client 04/23/2025 04:53 PM; Please clarify where you are seeing XXXX XXXXX XXXX you. <br>Reviewer 04/24/2025 08:15 AM; Accounts are listed on the XXXXXX page of the credit report. XXXXX are marked XXXX opened a new account. XXX<br>Reviewer 04/24/2025 08:15 AM; Accounts are listed on the XXXXXX page of the credit report. XXXXX are marked XXXX opened a new account.<br>Client 05/15/2025 12:17 PM; Not being paid out of business account. XXXX you. <br>Reviewer 05/15/2025 12:36 PM; Escalation comment states accounts are not being paid out of business accounts. XXXX evidence if the new accounts were opened prior to the XXXXX date the payments are included in the XXXX <br>Reviewer 05/15/2025 12:47 PM; Condition has been reviewed. XXX<br>Reviewer 05/22/2025 07:00 AM; Documents received were XXXX business XXXX statement XXXXX dated XXXX which reflects XXXX XXXX is being paid by business. XXXX not receive documentation of business payment to XXXXX<br>| 05/22/2025 |  | A | 1 | XXXXXX | NV | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1642002 | XXXXXXXX | XXXXXXXX | 7144816 | 884 | XXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 03/20/2025 |  | A | 1 | XXXXXX | CO | 1 | 1 C A | C | A C |  | Safe Harbor QM (APOR) | 1 |
| 1642002 | XXXXXXXX | XXXXXXXX | 7144817 | 891 | XXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | XXXX the initial XXX dated within XX days of application XXXXX | Information provided |  |  | 03/20/2025 |  | A | 1 | XXXXXX | CO | 1 | 1 C A | C | A C |  | Safe Harbor QM (APOR) | 1 |
| 1642002 | XXXXXXXX | XXXXXXXX | 7144818 | 895 | XXXXXX | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | XXXX the initial XXX issued and received XX days prior to consummation XXXXX | Information provided |  |  | 03/20/2025 |  | A | 1 | XXXXXX | CO | 1 | 1 C A | C | A C |  | Safe Harbor QM (APOR) | 1 |
| 1642002 | XXXXXXXX | XXXXXXXX | 7144819 | 10 | XXXXXX | Valuation | Appraisal |  | Appraisal - is not As-Is - No evidence of repairs completed |  | XXXXXX is not XXXX XXXXX XXXXX provide completion report with color photos. | Information provided |  |  | 06/05/2025 |  | A | 1 | XXXXXX | CO | 1 | 1 C A | C | A C |  | Safe Harbor QM (APOR) | 1 |
| 1643392 | XXXXXXXX | XXXXXXXX | 7147147 | 884 | XXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing complete |  |  | 05/20/2025 |  | A | 1 | XXXXXX | MA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1643394 | XXXXXXXX | XXXXXXXX | 7145399 | 384 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | XXXXXXX evidence of XXXXX ownership in business | received XXXX XXXX and XXX |  |  | 03/17/2025 |  | A | 1 | XXXXXX | FL | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1643394 | XXXXXXXX | XXXXXXXX | 7145400 | 386 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Documents Expired |  | XXXX XXXXX XXXXXXX questionnaire to be dated within XXX days of note date XXXXX | received current XXX |  |  | 03/31/2025 |  | A | 1 | XXXXXX | FL | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1643397 | XXXXXXXX | XXXXXXXX | 7145402 | 434 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXXXX was XXXXXXX short reserves. XXXXX assets XXXXXXXX per XXX XXXXXXXXXXXXXX XXXXX XXXXXXXXXXXXX XXXX borrower received XXXXXXX in gifts; however, it was deposited into the borrower's XXXX account and included in the available balance of XXXXXX |  | Exception approval received for low reserves/ XXXXXXX XXXX - XXXXX income XXXXX good credit score XXXXX XXXX XXX |  |  |  | 04/05/2025 B | 2 | XXXXXX | IL | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1643399 | XXXXXXXX | XXXXXXXX | 7145403 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX cash out of XXXXX with XXXX of XXXX exceeded with XXXXX with cash out of XXXXXXX |  | Exception granted: XXX years credit depth satisfactory history, XXX years primary residence time, XXXXX assets of over XXXXX |  |  |  | 04/15/2025 B | 2 | XXXXXX | WA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643399 | XXXXXXXX | XXXXXXXX | 7145405 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX satisfactory evidence of rent loss insurance | Received rent loss coverage |  |  | 04/15/2025 |  | A | 1 | XXXXXX | WA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643399 | XXXXXXXX | XXXXXXXX | 7145406 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXX XXXXXXX approval required for subject being located in XXXX area. | Received XXX XXXXX approval for XXXX property/ XXXXX XXXX - XXX years credit depth satisfactory history, XXX years primary residence time, XXXXX assets of over XXXXX |  |  | 04/15/2025 |  | A | 1 | XXXXXX | WA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643402 | XXXXXXXX | XXXXXXXX | 7145713 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX is XXXX for cash out XXXX XXXXXX XXXXXX is XXXX XXX |  | Exception allowing XXXX XXXX for cash-out XXXXXX asset qualifier. XXXXXXX XXXXX XXXXX pride in ownership living in primary for XXX years, experienced investor, great assets, XXXX XXXXX with no derogatory and XX mortgage paid XXX for XXX months reporting (primary). |  |  |  | 04/14/2025 B | 2 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643403 | XXXXXXXX | XXXXXXXX | 7145409 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX exceeds XXXX XXXXX out XXXX of XXXX for XXXX XXXXXX guidelines. |  | Exception granted: XXXXX pride ownership in primary for XXX years, nice collateral, experienced investor since XXXX XXXXX XXXX no derogatory history, not using any rental income to offset any XXXX |  |  |  | 04/15/2025 B | 2 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643403 | XXXXXXXX | XXXXXXXX | 7145410 | 387 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXXXX evidence for monthly taxes of XXXX and monthly insurance XXXXX for primary property located at XXXX XX XXXXXX XXXX XXXX XXXX XX | Received tax and insurance documentation |  |  | 04/15/2025 |  | A | 1 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643404 | XXXXXXXX | XXXXXXXX | 7145411 | 387 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXXXX evidence for monthly taxes of XXXX and monthly insurance XXXXX for primary property located at XXXX XX XXXXXX XXXX XXXX XXXX XX | Received tax and XXXX documentation |  |  | 04/15/2025 |  | A | 1 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643404 | XXXXXXXX | XXXXXXXX | 7145412 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX exceeds XXXX XXXXX out XXXX of XXXX for XXXX XXXXXX guidelines. |  | Exception granted: XXXXX pride ownership in primary for XXX years, nice collateral, experienced investor since XXXX XXXXX XXXX no derogatory history, not using any rental income to offset any XXXX |  |  |  | 04/15/2025 B | 2 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643405 | XXXXXXXX | XXXXXXXX | 7145413 | 387 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXXXX evidence for monthly taxes of XXXX and monthly insurance XXXXX for primary property located at XXXX XX XXXXXX XXXX XXXX XXXX XX | Received tax and XXXX documents |  |  | 04/16/2025 |  | A | 1 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643405 | XXXXXXXX | XXXXXXXX | 7145414 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX exceeds XXXX XXXXX out XXXX of XXXX for XXXX XXXXXX guidelines. |  | Exception granted: XXXXX pride ownership in primary for XXX years, nice collateral, experienced investor since XXXX XXXXX XXXX no derogatory history, not using any rental income to offset any XXXX |  |  |  | 04/15/2025 B | 2 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643406 | XXXXXXXX | XXXXXXXX | 7145415 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX exceeds XXXX XXXXX out XXXX of XXXX for XXXX XXXXXX guidelines. |  | Exception granted: XXXXX pride ownership in primary for XXX years, nice collateral, experienced investor since XXXX XXXXX XXXX no derogatory history, not using any rental income to offset any XXXX |  |  |  | 04/15/2025 B | 2 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643406 | XXXXXXXX | XXXXXXXX | 7145416 | 387 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXXXX evidence for monthly taxes of XXXX and monthly insurance XXXXX for primary property located at XXXX XX XXXXXX XXXX XXXX XXXX XX | Received XXXX and XXXX documents |  |  | 04/16/2025 |  | A | 1 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643407 | XXXXXXXX | XXXXXXXX | 7145417 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX XXXX for XXXX XXXXXX XXXXXXX for less than XX year |  | Compensating XXXXXXX ltv purchase of XXXXX solid assets and credit is paid as XXXXXXX fico XXXXXX is in line at XXXXXX / XXXXX in reserves. |  |  |  | 04/15/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643408 | XXXXXXXX | XXXXXXXX | 7145418 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX fico score XXXX XXXXXX XXXXXX fico score |  | Compensating XXXXXXX pride in ownership living in primary for XX years, good job time of XX years, nice collateral, XXXX XXXX mortgages paid XXX for last XX years and plenty of reserves after closing. |  |  |  | 04/16/2025 B | 2 | XXXXXX | AZ | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643410 | XXXXXXXX | XXXXXXXX | 7145419 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX exception for less than XXX months business XXXX statements used in qualifying the borrower under the XXX month XXXX statement fixed program; only XXX months were used. | XX months received and XXX months used for income |  |  | 05/15/2025 |  | A | 1 | XXXXXX | TX | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1643410 | XXXXXXXX | XXXXXXXX | 7145420 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX borrower must verify XX years self-employment for program and the borrower has only been self-employed XXX months. |  | The exception was granted for the borrower having been self-employed less than the required XX years with the following compensating factors: XXXX borrowers have had ownership of the primary residence for XXX years. XXXXX collateral, the borrower is paying off all debts; XXXXX is XXXXX |  |  |  | 05/11/2025 B | 2 | XXXXXX | TX | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1643410 | XXXXXXXX | XXXXXXXX | 7145421 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXXX statements expired. XXXXXXX allow XXX days from the closing date, XXXX statements were XXX days old. | Received XXXX XXX XXXXX XXXX statement. XXXXX closed XXXXX |  |  | 05/15/2025 |  | A | 1 | XXXXXX | TX | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1643411 | XXXXXXXX | XXXXXXXX | 7145422 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received | CD provided |  |  | 04/21/2025 |  | A | 1 | XXXXXX | HI | 2 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643411 | XXXXXXXX | XXXXXXXX | 7145423 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXX size requires XX appraisals. XXXXXX XXXXXXXXX approval for one appraisal. |  | Compensating XXXXXXX file since XXXX assets after close = XXXXX XXXXXXXX good job time, good residence time, good mortgage history. |  |  |  | 04/21/2025 B | 2 | XXXXXX | HI | 2 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643411 | XXXXXXXX | XXXXXXXX | 7145424 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXX size required score of XXXX XXXXXX XXXXXXXXX for XXXX score with loan amount XXXX million |  | Compensating XXXXXXX file since XXXX assets after close = XXXXX XXXXXXXX good job time, good residence time, good mortgage history. |  |  |  | 04/21/2025 B | 2 | XXXXXX | HI | 2 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643412 | XXXXXXXX | XXXXXXXX | 7145425 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXX reflecting XXXXX from XXXXX in the amount of XXXXXXX is missing from this file. XXXXXXX with XXXXXX XXXXXX of XXXXXXX signed by borrower at close on XXXXXX | Received final XX |  |  | 05/20/2025 |  | A | 1 | XXXXXX | CO | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1643413 | XXXXXXXX | XXXXXXXX | 7145426 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX borrower is using cash out as reserves with less than the required XXXXX score of XXXXX |  | The exception was granted for the use of cash out as reserves with less than the required XXXXX score. XXXX exception was granted with the following compensating factors: XXXX XXXX of XXXXX XXXXX payment history of XXXXX XXXXX cash reserves over XXXXX and high residual income at XXXXXXX |  |  |  | 05/10/2025 B | 2 | XXXXXX | TX | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1643413 | XXXXXXXX | XXXXXXXX | 7145427 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX provide income calculation worksheet with all deposits and deposits to be excluded. | Received XXXXX statement income analysis |  |  | 05/12/2025 |  | A | 1 | XXXXXX | TX | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1643414 | XXXXXXXX | XXXXXXXX | 7145428 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 05/23/2025 |  | A | 1 | XXXXXX | NV | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1643414 | XXXXXXXX | XXXXXXXX | 7145429 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX guidelines the minimum XXXXX on a condotel is XXXX XXXX property is under XXXXX |  | Compensating XXXXX XXXXX is a very experienced investor. XXXXXX paid as agreed for last XXXX months. |  |  |  | 05/23/2025 B | 2 | XXXXXX | NV | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1643415 | XXXXXXXX | XXXXXXXX | 7147152 | 884 | XXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 05/29/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1643415 | XXXXXXXX | XXXXXXXX | 7147154 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX waiver requires XXXXX XXXXX XXXXXX XXXXX used was XXXXX |  | Exception approved by XXXXX XXXXXX to waive escrows with a XXXX XXXXX XXXXXXX XXXXX good cash down payment, high cash reserve level, no derogatory credit on credit report, XXXX employment history, job time indicates stability and a likelihood of continued income flow. |  |  |  | 05/13/2025 B | 2 | XXXXXX | TX | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1643416 | XXXXXXXX | XXXXXXXX | 7145433 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX needed for tradelines on an XXXXX loan. XXXXX program requires atleast XX tradelines with XX active. XXXXX only has one tradeline. |  | Compensating factors; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXX reserves XXXXXXXXXX |  |  |  | 05/09/2025 B | 2 | XXXXXX | AZ | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1643416 | XXXXXXXX | XXXXXXXX | 7145434 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX needed for XXXX shock. XXXX guidelines payment shock cannot exceed XXXXX XXXX payment shock exceeds XXXX |  | Compensating factors; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXX reserves XXXXXXXXXX |  |  |  | 05/09/2025 B | 2 | XXXXXX | AZ | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1643417 | XXXXXXXX | XXXXXXXX | 7145435 | 270 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Satisfactory 2nd Appraisal Report |  | XXXX XXXXX XXXXX appraisal. XX second appraisal is required in lieu of a XXXXX XXXXX with loan amounts greater than XXXXX million | received XXXX full appraisal |  |  | 05/12/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 C A | A | A C |  | Non-QM | 1 |
| 1643418 | XXXXXXXX | XXXXXXXX | 7145436 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX funds on expanded allowed on primary and second homes. XXXXXX XXXXXXXXX gift funds from son on a non-owner occupied property. |  | Compensating XXXXXX yrs XXXX and XXX yrs same line of work, XXX yrs credit depth and XXXX fico score. |  |  |  | 05/24/2025 B | 2 | XXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1643418 | XXXXXXXX | XXXXXXXX | 7145437 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX approval has incorrect purchase XXXXX; correct purchase XXXXX is XXXXXX | Revised XXXXX provided |  |  | 05/27/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1643420 | XXXXXXXX | XXXXXXXX | 7145438 | 862 | XXXXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XX is missing from file. XXXXX provide along with XXXX to re record. | Information provided |  |  | 05/06/2025 |  | A | 1 | XXXXXX | MI | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1643420 | XXXXXXXX | XXXXXXXX | 7145439 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final bridge XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents provided |  |  | 05/09/2025 |  | A | 1 | XXXXXX | MI | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1643420 | XXXXXXXX | XXXXXXXX | 7145440 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX mortgage lates. XXXXXX XXXXXXX rolling on mortgage history in past XXX months/ XXXX x payment shock. |  | Compensating XXXXXX XXXX debt paid as agreed over the past XXX months, XXXXX in last XXX months, XXXX in reserves, borrower is retired and collects ssi/pension/va pension taken from award letters, XXXX is inline, XXXXXXXX dti. |  |  |  | 05/12/2025 B | 2 | XXXXXX | MI | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1643421 | XXXXXXXX | XXXXXXXX | 7145441 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX properties up to XX acres. XXXXXX XXXXXXXX property is XXX acres. |  | Compensating XXXXXXXXX residence, stable employment, good residual income and XXXX fico. |  |  |  | 05/12/2025 B | 2 | XXXXXX | RI | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643421 | XXXXXXXX | XXXXXXXX | 7145442 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX required for senior management approval of XXXX income being utilized. |  | Exception approval by XXX XXXXX for use of XXXX income and rural property. XXXXXXX XXXXXXXXX residence, stable employment, good residual income and XXXX fico. |  |  |  | 05/15/2025 B | 2 | XXXXXX | RI | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643421 | XXXXXXXX | XXXXXXXX | 7145443 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX reflect when using XXXX income, no rural properties are allowable. XXXX property was deemed to be rural, and the borrower is an owner of the XXXX company. |  | Exception approval by XXX XXXXX for use of XXXX income and rural property. XXXXXXX XXXXXXXXX residence, stable employment, good residual income and XXXX fico. |  |  |  | 05/15/2025 B | 2 | XXXXXX | RI | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643422 | XXXXXXXX | XXXXXXXX | 7145446 | 201 | XXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | XXXX XXXXX XXXXXX XXXXX was not found in the file. XXXX evidence of XXXXX XXXXXXX | Information provided |  |  | 05/05/2025 |  | A | 1 | XXXXXX | SC | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1643422 | XXXXXXXX | XXXXXXXX | 7145447 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX XXXXX loan XXX for property XXXXX XX XXXXX XXXXX supporting XXXXXXXX proceeds was not included with the loan file. | Received XXXXX XXX with XXXXXX net |  |  | 05/03/2025 |  | A | 1 | XXXXXX | SC | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1643422 | XXXXXXXX | XXXXXXXX | 7145448 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX XXXX XXXXXX worksheet supporting XXXXXXXX was not included with the loan file | Received XXXX XXXXXX XXXXX |  | Reviewer 05/03/2025 12:19 PM; Document received did not include the XXXX XXXXXX worksheet<br>| 05/05/2025 |  | A | 1 | XXXXXX | SC | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1643423 | XXXXXXXX | XXXXXXXX | 7145450 | 389 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | XXXXXX XXXX XXXX on XXXXX XXXXX XXXXXX XXXXX verifying consumer identity is missing from this file. | Received lender's cert |  |  | 06/12/2025 |  | A | 1 | XXXXXX | CT | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1643425 | XXXXXXXX | XXXXXXXX | 7145451 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX borrower has several late payments on a mortgage showing up on credit due to extenuating circumstances and an exception was granted with compensating factors. |  | The exception was granted for late payments on a mortgage due to cosigning for the daughters ex-spouse and property awarded to borrower's daughters ex-spouse. XXXX compensating factors for approving the exception were as follows: XXXXX depth of XXX years. XXX years on the job. XXXXX XXXX XXXX the borrowers other mortgages on credit are paid on time. XXXX borrwoer has over XXXXX million in assets. |  |  |  | 05/12/2025 B | 2 | XXXXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643426 | XXXXXXXX | XXXXXXXX | 7145454 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX payment shock is XXXXX XXXXXX approval in file for payment shock greater than XXXXX XXXX payment shock is XXXX |  | Compensating factor: XXXX XXXXX well above XXXX minimum requirement, XXX year credit depth with no late payments. XXXX credit user. XXXXX income of over XXXX a month. XXXXX above minimum of XXXXX a month. |  |  |  | 05/15/2025 B | 2 | XXXXXX | WA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643427 | XXXXXXXX | XXXXXXXX | 7145455 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX cash out is XXXXX XXXXX out on loan is XXXXXXXXX |  | Actual cash out amount approved. XXXXX XXXXX income XXXXX years) XXXXXX XXXX years), XXXX XXX |  |  |  | 06/04/2025 B | 2 | XXXXXX | GA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1643428 | XXXXXXXX | XXXXXXXX | 7145456 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXX XXXXX for XXXXX XXXX XXXXX is XXX |  | DEVIATION: XXXX XXXXX XXXXX XXXX XXXXX XXXXXXX XXXXX XXXXXXX XXXXX not XXXXXX has a XXXX job at XXXXX XXXX XXXX XXXXX XXXXX over XXXX a month |  |  |  | 05/14/2025 B | 2 | XXXXXX | WA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1643428 | XXXXXXXX | XXXXXXXX | 7145457 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXX XXXXX for XXXXX XXXXX XXXXXX XXXXX at XXXX XXX |  | DEVIATION: XXXXX exception for XXXX XXXXX XXXXXX XXXXX XXXX using cash out to cover reserves XXXXXXX XXXXX XXXXXXX XXXXX not XXXXXX has a XXXX job at XXXXX XXXX XXXX XXXXX XXXXX over XXXX a month |  |  |  | 05/14/2025 B | 2 | XXXXXX | WA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1643428 | XXXXXXXX | XXXXXXXX | 7145458 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXXX XXXX XXXXX and under XXXX XXXX to use cash out for reserves |  | DEVIATION: XXXX XXXXX XXXX to cover reserves XXXXXXX XXXXX XXXXXXX XXXXX not XXXXXX has a XXXX job at XXXXX XXXX XXXX XXXXX XXXXX over XXXX a month |  |  |  | 05/14/2025 B | 2 | XXXXXX | WA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1643429 | XXXXXXXX | XXXXXXXX | 7145461 | 378 | XXXXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | XXXX XXXXX reflects employment for XXXXX XX as a XXXX for XXXX XXXXXXX XXXX which is XXX & XXXXX business. XXX start date to auto populate XXXX in XXXX & XXXX in XXXX which cannot be XX if employment type is employed. | Revised XXXXX provided. |  |  | 06/03/2025 |  | A | 1 | XXXXXX | TX | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| 1643430 | XXXXXXXX | XXXXXXXX | 7145463 | 317 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Hud-1 from sale |  | XXXX XXXXX from the sale of property located at XX XXXX XXXX reflecting approx. XXXXXXXX net proceeds. | Received XXX for XXXX XXXXX |  |  | 05/20/2025 |  | A | 1 | XXXXXX | NJ | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1643432 | XXXXXXXX | XXXXXXXX | 7145464 | 437 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXX verification of employment for XXXXX dated within XXX days of note date XXXXXX | Received XXX day XXXX |  |  | 05/02/2025 |  | A | 1 | XXXXXX | AZ | 2 | 13 D A | A | A |  | Non-QM | 1 |
| 1643432 | XXXXXXXX | XXXXXXXX | 7145465 | 437 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXX verification of employment for XXXXXX dated within XXX days of note date XXXXXX | Received XXX day XXXX |  |  | 05/02/2025 |  | A | 1 | XXXXXX | AZ | 2 | 13 D A | A | A |  | Non-QM | 1 |
| 1643433 | XXXXXXXX | XXXXXXXX | 7147155 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX needed for XXXXX type XXXX XXXXX visa is not allowed per guidelines |  | Compensating XXXXX XXXXX owns primary residence free and clear. XXXXX owns XX rental properties free and clear. |  |  |  | 05/01/2025 B | 2 | XXXXXX | TX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1643433 | XXXXXXXX | XXXXXXXX | 7147156 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX needed for XXX seller concession. XXXX seller concession per guidelines XXXXX |  | Compensating XXXXX XXXXX owns primary residence free and clear. XXXXX owns XX rental properties free and clear. |  |  |  | 05/01/2025 B | 2 | XXXXXX | TX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1643434 | XXXXXXXX | XXXXXXXX | 7147157 | 201 | XXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | XXXXX provide current hazard policy. XXXX policy in file is a XXXXX | Documents provided |  |  | 05/22/2025 |  | A | 1 | XXXXXX | ID | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643434 | XXXXXXXX | XXXXXXXX | 7147158 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX XXXX XXXXX XXXXX XXXX XXXXXX preliminary is in the file. | Received final bridge loan XX |  |  | 05/22/2025 |  | A | 1 | XXXXXX | ID | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643434 | XXXXXXXX | XXXXXXXX | 7147159 | 321 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Insufficient |  | XXXX borrower has less than the required XX active tradelines. XXXXX only has XXX |  | The exception was granted for less than the required active tradelines with the following compensating factors: XXXX XXXX of XXXXX XXXX credit with XXXXX XXXXX minimal debt and XXX year credit depth. |  |  |  | 05/21/2025 B | 2 | XXXXXX | ID | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643434 | XXXXXXXX | XXXXXXXX | 7147160 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX shock is over the max of XXXX when the XXXX is over XXXX |  | The exception was granted for payment shock with the following compensating factors: XXXX XXXX of XXXXX XXXX credit with XXXXX XXXXX minimal debt, and a XXXX credit depth. |  |  |  | 05/21/2025 B | 2 | XXXXXX | ID | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643435 | XXXXXXXX | XXXXXXXX | 7145472 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX exception for XXXXX with XXXX square feet. XXXXXXX minimum square feet is XXXXX |  | Compensating factors; XXXXX and credit history perfect. XXXXXXX XXX borrower received a huge raise(did not use to qualify) |  |  |  | 05/10/2025 B | 2 | XXXXXX | UT | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1643435 | XXXXXXXX | XXXXXXXX | 7145473 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX needed for XXXXX with XXXX over XXXX XXXXXXX max XXXX for a XXXXX is XXX |  | Compensating factors; XXXXX and credit history perfect. XXXXXXX XXX borrower received a huge raise(did not use to qualify) |  |  |  | 05/10/2025 B | 2 | XXXXXX | UT | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1643436 | XXXXXXXX | XXXXXXXX | 7145474 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX loan is a non-arms-length transaction subject to XXXXX management approval. |  | The exception was granted for the non-arms-length transaction with the following compensating factors: XXXX XXXXX score. XXXX borrower is self-employed for XXX years. XXXX mortgage is paid as agreed over the past XX years. XXXXX in reserves. |  |  |  | 05/23/2025 B | 2 | XXXXXX | WA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643438 | XXXXXXXX | XXXXXXXX | 7145475 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXXX XXXXX XX years |  | DEVIATION: XXXX using XXXX XXXXX income when borrower just became a contract employee in XXXX XXXXXXX XXXXX XXX yrs job time, XXXX XXXX of XXXXX XXXXX assets of XXXX |  |  |  | 05/14/2025 B | 2 | XXXXXX | TX | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643438 | XXXXXXXX | XXXXXXXX | 7145476 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX needed XXXX XXXX is XXXXX XXXX XXXX should be limited to XXXXX XXXX XXXX above XXXX is permitted with senior management approval, not to exceed XXXX XXXX borrowers who have less than a XXXXX history, do not have a current housing payment, or own a home free and clear, payment XXXX is considered for reasonableness and should be reviewed with senior management. |  | Exception approval received for payment shock. XXXXXXX XXXXX XXX yrs job time, XXXX XXXX of XXXXX XXXXX assets of XXXX |  |  |  | 05/22/2025 B | 2 | XXXXXX | TX | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643441 | XXXXXXXX | XXXXXXXX | 7145477 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge XXX is missing from the loan file. XXXX credit review is on hold until documents received. | CD provided |  |  | 05/09/2025 |  | A | 1 | XXXXXX | NC | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643441 | XXXXXXXX | XXXXXXXX | 7145478 | 351 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | XXXX XXXXX to XXXXX ratio is over the max of XXXX for fixed income borrowers. |  | The exception for a higher debt to income ratio over max of XXXX was granted with the following compensating factors: XXXX XXXXX score. XXXXX XXXX in reserves. XXXX debts are XXXXXX |  |  |  | 05/09/2025 B | 2 | XXXXXX | NC | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643442 | XXXXXXXX | XXXXXXXX | 7145479 | 884 | XXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 05/16/2025 |  | A | 1 | XXXXXX | TN | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1643442 | XXXXXXXX | XXXXXXXX | 7145480 | 898 | XXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXX tolerance violation for increase in XXXXXX XXXXXXX XXXX without a valid XXXX XXXX tolerance violation of XXXXXXX XX refund in the amount of XXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation. | Information provided |  |  | 05/16/2025 |  | A | 1 | XXXXXX | TN | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1643442 | XXXXXXXX | XXXXXXXX | 7145481 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX needed for fixed income and XXXX over XXXXX |  | Compensating factors; XXX XXXX XXXX primary free and clear and XXX months reserves. |  |  |  | 05/13/2025 B | 2 | XXXXXX | TN | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1643442 | XXXXXXXX | XXXXXXXX | 7145482 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX for payment shock over XXXX |  | Compensating factors; XXX XXXX XXXX primary free and clear and XXX months reserves. XXXX was free and clear so payment shock was in line with current primary |  |  |  | 05/13/2025 B | 2 | XXXXXX | TN | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1643443 | XXXXXXXX | XXXXXXXX | 7145483 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX approval for declining property values. XXX per guideline declining values requires a XXX reduction in XXXX and management approval. | Received management approval for declining market |  |  | 05/16/2025 |  | A | 1 | XXXXXX | KS | 1 | 1 C A | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1643444 | XXXXXXXX | XXXXXXXX | 7145484 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX XXXX on mortgage XXXXXX XXXXXXXX on mortgage |  | Compensating XXXXXX fico score, not a credit abuser, XXXX equity in property, XXXXX cash-out to be used towards reserves. |  |  |  | 06/04/2025 B | 2 | XXXXXX | KS | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643445 | XXXXXXXX | XXXXXXXX | 7145485 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Document received |  |  | 05/22/2025 |  | A | 1 | XXXXXX | AZ | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1643448 | XXXXXXXX | XXXXXXXX | 7147161 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXX from privately help notes not collateralized by real property may be considered, but at least XXX months receipt of this income must be verified, and the note must allow for continued receipt for three years into the future. XXXXXX XXXXXX months proof of receipt from privately help notes not collateralized by real property. |  | Compensating XXXXXXXX credit, no derogatory credit on credit report, low ltv, low debt ratio, high residual income and high cash reserve level. |  |  |  | 05/14/2025 B | 2 | XXXXXX | GA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643450 | XXXXXXXX | XXXXXXXX | 7145488 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX active trade lines. XXXXXX XXXXX XXXX alternative credit for additional tradeline. |  | Compensating XXXXXX debt ratio, high residual income, XXXX income from good quality job, XXXX employment history, job time indicates stability and a likelihood of continued income flow, good cash down payment and high cash reserve level. |  |  |  | 05/12/2025 B | 2 | XXXXXX | TX | 2 | 1 C B | A | A |  | Higher Priced QM (APOR) | 1 |
| 1643451 | XXXXXXXX | XXXXXXXX | 7145489 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | documents received |  |  | 06/13/2025 |  | A | 1 | XXXXXX | FL | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1643452 | XXXXXXXX | XXXXXXXX | 7145490 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX approval required for an XXXX over XXXX (actual XXXXXX for each borrower being self-employed for less than XX years. |  | Approval granted for an XXXX over XXXX (actual XXXXXX for each borrower being self-employed for less than XX years. XXXXXXX factors are XXXX XXXXX mortgage history XXXX XXXXX depth from XXXXX XXXX XXXXX term employment in each industry |  |  |  | 05/10/2025 B | 2 | XXXXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643453 | XXXXXXXX | XXXXXXXX | 7145491 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX loan program requires XXXXX borrower has XXXXXX XXXXX XXXXXXX approval. |  | Compensating XXXXX XXXXX owned subject property free and clear, purchased with cash originally. XXXXX has XXX properties all other mortgages are XXXXX |  |  |  | 05/21/2025 B | 2 | XXXXXX | GA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643453 | XXXXXXXX | XXXXXXXX | 7145492 | 434 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXXXX is short XX months verified assets to meet the reserve requirement. XXXXX out may only be used for reserves in cases where the XXXX is less than or equal to XXXX XXXX XXXX in this case is XXXX |  |  |  |  |  | 05/21/2025 B | 2 | XXXXXX | GA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643456 | XXXXXXXX | XXXXXXXX | 7147162 | 967 | XXXXXX | Credit | Compliance |  | Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date) |  | XXXXX a XXXXX with the funding date on pg XXX XXXX XXX to be XXXXX or later as per the XXXX XXXXX date. | Information provided |  | Client 05/07/2025 12:14 PM; Please clarify the grade for this finding. XXX XXXX grade, please waive. XXXX<br>Reviewer 05/07/2025 02:06 PM; <br>Reviewer 05/08/2025 10:14 AM; Hello <br> XXX is this is grading a XXXXX<br>XXXX<br>| 05/14/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643456 | XXXXXXXX | XXXXXXXX | 7147163 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX needed for waived escrows; XXXXXXX require escrows. |  | Compensating factors; XXXX excellent mortgage history, XXXX XXXX |  |  |  | 05/11/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643458 | XXXXXXXX | XXXXXXXX | 7145495 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXX history must be XXXX XXXXXX XXXXXXXX time share reporting on credit XXXXX days delinquent as borrower has an attorney and is working through litigation on resolution. |  | Compensating XXXXXXX years credit depth, XXX years job time, excellent credit and XXXX fico |  |  |  | 05/11/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643460 | XXXXXXXX | XXXXXXXX | 7145496 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX self-employed required XXXXXX XXXXXXX than XX years self employed |  | Compensating XXXXX XXX file since XXXX assets after close XXXXX residual XXXX good job time, good residence time, good mortgage history and XXXX XXXX |  |  |  | 05/11/2025 B | 2 | XXXXXX | UT | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643460 | XXXXXXXX | XXXXXXXX | 7145497 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX XXXXX XXXXX than XX yrs in same line of work. |  | Compensating XXXXX XXX file since XXXX assets after close XXXXX residual XXXX good job time, good residence time, good mortgage history and XXXX XXXX |  |  |  | 05/11/2025 B | 2 | XXXXXX | UT | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643460 | XXXXXXXX | XXXXXXXX | 7145498 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX XXXXX XXXXX of equity on a non-arms' length transaction. |  | Compensating XXXXX XXX file since XXXX assets after close XXXXX residual XXXX good job time, good residence time, good mortgage history and XXXX XXXX |  |  |  | 05/11/2025 B | 2 | XXXXXX | UT | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643460 | XXXXXXXX | XXXXXXXX | 7145499 | 319 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Seller Credit exceeds limit |  | XXXXX contributions of XXXX exceed closing cost of XXXXXXX | Received XXX XXXXX approval for excessive closing costs/ when value reduced by excess amount, XXXX is still in same XXXX XXXXX bucket |  | Client 05/15/2025 04:49 PM; Purchase XXXXX = XXXX XX XXX max seller concessions = XXXXX XXXX you. <br>Reviewer 05/15/2025 05:22 PM; Seller contribution of XXX XXXXXXXX is allowed; however, the seller contribution exceeds the total closing of XXXXXXX which is not allowed. XXXX <br>Reviewer 05/15/2025 05:22 PM; Seller contribution of XXX XXXXXXXX is allowed; however, the seller contribution exceeds the total closing of XXXXXXX which is not allowed. <br>| 05/18/2025 |  | A | 1 | XXXXXX | UT | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643463 | XXXXXXXX | XXXXXXXX | 7145501 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX borrower has less than XX years self-employment as required per guideline. |  | The exception for the co-borrower having less than XX years self-employment was granted with the following compensating factors: XXXXXX lived in primary residence over XX years; XXXXXX have been in the same line of work for XXX and XXX years respectively; XXXXX is XXXX for borrower and XXXX for the co-borrower. XXXX mortgage has been paid on time XXXXX |  |  |  | 05/13/2025 B | 2 | XXXXXX | WA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643463 | XXXXXXXX | XXXXXXXX | 7145502 | 904 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Closing Disclosure from sale of existing property/source of funds |  | XXXX final closing disclosure from sale of the property located at XXXXX XXXXX XXXX XXXXX XXXXXX XXX XXXXX | Received final XXX for property located at XXXXX XXXXX XXXX XXXXX XXXXXX XXX XXXXX |  |  | 05/13/2025 |  | A | 1 | XXXXXX | WA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643465 | XXXXXXXX | XXXXXXXX | 7147164 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX require loans with a XXXX >= XXXX have a XXXX less than XXXX XXXX is XXXXX and the XXXX is XXXXX |  | Compensating XXXXX XXXXX residual income; XXXXX cash reserve level; XXXXX employment history that indicates stability; XXXXX history in file paid XXXX credit reporting since XXXX |  |  |  | 05/12/2025 B | 2 | XXXXXX | FL | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1643466 | XXXXXXXX | XXXXXXXX | 7145504 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXX XXXX XXXXX |  | DEVIATION: XXXXX has been living with family since he sold his primary residence in XXXX XXXXXX XXXXXXX XXXXX XXXXX XXXXX XXXX mortgages paid as agreed, XXXXX XXXX of XXX years, XXXX had any late payments with XXX year credit depth |  |  |  | 05/21/2025 B | 2 | XXXXXX | NM | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643466 | XXXXXXXX | XXXXXXXX | 7145505 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXXX XXXXXXX |  | DEVIATION: XXXXX XXXXX XXXXXX as XXXXX XXXXX purchased the home XXXXXXX XXXXXXX XXXXX XXXX XXXXX XXXXX XXXX mortgages paid as agreed, XXXXX XXXX of XXX years, XXXX had any late payments with XXX year credit depth |  |  |  | 05/21/2025 B | 2 | XXXXXX | NM | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643468 | XXXXXXXX | XXXXXXXX | 7145507 | 862 | XXXXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XX is missing from file. XXXXX provide along with XXXX to re-record. | Information provided |  |  | 05/19/2025 |  | A | 1 | XXXXXX | NJ | 1 | 1 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1643468 | XXXXXXXX | XXXXXXXX | 7145508 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final bridge XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Document received |  |  | 05/22/2025 |  | A | 1 | XXXXXX | NJ | 1 | 1 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1643469 | XXXXXXXX | XXXXXXXX | 7145509 | 350 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXXX XXXX XXXX of XXXX for investor XXXXX program. |  | The exception for XXXX was granted with the following compensating factors: XXX file since XXXX XXXXX after closing are over XXXXX million; XXXX borrower has been in residence for over XXX years. XXXX borrower has been in the same employment for over XX years. XXXX borrower is an experienced investor. |  |  |  | 05/20/2025 B | 2 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643471 | XXXXXXXX | XXXXXXXX | 7145510 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX need for XXX acres and rural property. XXXXXXX max acres for rural property are XX acres. |  | Compensating XXXXX XXXXX assets, XXXXX history, XXXX use of credit. |  |  |  | 05/22/2025 B | 2 | XXXXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643473 | XXXXXXXX | XXXXXXXX | 7145511 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final bridge XXX is missing from the loan. XXXX credit review is on hold until documents are received. | Documentation received. |  |  | 05/28/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1643474 | XXXXXXXX | XXXXXXXX | 7145512 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX approval required on new construction condo complex. XXXXXX XXXXX XXXXXXX approval in file for new complete only XXXX complete. |  | Compensating XXXXXXX file since XXXX over XXXXX in assets after close, XXXXX residual, good job time, good mortgage history and XXXX fico. |  |  |  | 05/11/2025 B | 2 | XXXXXX | MI | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643475 | XXXXXXXX | XXXXXXXX | 7145513 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents provided |  |  | 05/11/2025 |  | A | 1 | XXXXXX | MT | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643475 | XXXXXXXX | XXXXXXXX | 7145514 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXX properties require management approval. XXXXXX XXXXXXXX with majority commercial space (condo unit with large garage and a small office space). |  | Compensating XXXXXXX credit history for both borrowers, low XXXXX residual income over XXXX month, low XXXX and XXXX XXXXX |  |  |  | 05/12/2025 B | 2 | XXXXXX | MT | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643477 | XXXXXXXX | XXXXXXXX | 7145515 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXX XXXX on XXXXX property is XXX |  | DEVIATION: XXXX for XXXX XXXX on XXXXX XXXXX XXXXXXX XXXXX XXXXX XXXXXXX XXXX XXXXX XXXXXXXX XXXXXX XXXXXX XXXXX including XXXXX XXXXX |  |  |  | 05/28/2025 B | 2 | XXXXXX | MA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643478 | XXXXXXXX | XXXXXXXX | 7145517 | 350 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXXX max XXXX for XX family. XXXX XXXX is XXXX and loan is at XXXXX |  | The exception for XXXX was granted with the following compensating factors: XXXXX XXXXXX XXXX stable self-employment XXXX yrs) excellent credit and mortgage history all paid on time XXXXX XXXXX is XXXX history. |  |  |  | 05/28/2025 B | 2 | XXXXXX | MA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643479 | XXXXXXXX | XXXXXXXX | 7147165 | 384 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | XXXXX must be self employed for XXXX years. |  | XXX XXXXXX paid as agreed XXXXXXXXX down | Reviewer 05/21/2025 05:09 PM; Client approved an exception to the minimum XX year requirement.<br>|  |  | 05/21/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643479 | XXXXXXXX | XXXXXXXX | 7147166 | 317 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Hud-1 from sale |  | XXXXX the final signed XXXXX from sale of XXXXX XXXX XXXXX XXX to show proceeds to our borrower/property seller | HUD provided |  |  | 05/22/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643481 | XXXXXXXX | XXXXXXXX | 7145656 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX assets after closing is XXXXXXX |  | Exception allowing assets after close less than XXXXXXXX XXXXXXXXXX XXXXXXX XXXXX XXXXX pride in ownership on current primary of XXX years, good collateral, XXXXX XXXX with no derogatory since XXXX not abuser of credit |  |  |  | 05/08/2025 B | 2 | XXXXXX | UT | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643483 | XXXXXXXX | XXXXXXXX | 7147168 | 884 | XXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing completed |  |  | 05/29/2025 |  | A | 1 | XXXXXX | WA | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1643483 | XXXXXXXX | XXXXXXXX | 7147169 | 898 | XXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXXXX is failing XXX tolerance for the increase in the XXXXXX fee in XXXX XX of the XXXXX XXXXX XXXX is a XXXX for this date but it does not explain why this fee increased. XXXXXX amount is XXXX XXXXX a XXXXX with cure, lox to borrower, and proof of refund, all within XXX days of consummation. | Documents requested were provided |  |  | 05/29/2025 |  | A | 1 | XXXXXX | WA | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1643483 | XXXXXXXX | XXXXXXXX | 7147170 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX XXXX for fixed income borrowers is XXXX XXXXXX XXXXXXXXX XXXXX management has approved the XXXX XXXX |  | Compensating XXXXXX mortgages paid as agreed, credit depth of XXX years, no late payments, XXXX fico and low ltv. |  |  |  | 05/19/2025 B | 2 | XXXXXX | WA | 1 | 1 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1643485 | XXXXXXXX | XXXXXXXX | 7145525 | 201 | XXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | XXXX XXXXX XXXXXX XXXXX was not found in the file. XXXX evidence of XXXXX XXXXXXX | Information provided |  |  | 06/13/2025 |  | A | 1 | XXXXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643485 | XXXXXXXX | XXXXXXXX | 7145526 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXXX than XXXX XXXXXXXXX |  | DEVIATION: XXXXX than XXX months of XXXX statements XXXXXXX XXXXX XXXX XXXX XXXXX paid as agreed, XXXX a prior mtg that they sold paid XXXX XXXX down coming from the sale of the home. XXXX borrower just completed his residency and is XXXXXXXX for the past XX months |  |  |  | 06/10/2025 B | 2 | XXXXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643486 | XXXXXXXX | XXXXXXXX | 7147171 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Document provided |  |  | 05/23/2025 |  | A | 1 | XXXXXX | FL | 2 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643488 | XXXXXXXX | XXXXXXXX | 7147175 | 862 | XXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XX is missing from file. XXXXX provide along with XXXX to re-record. | Information provided |  |  | 05/21/2025 |  | A | 1 | XXXXXX | NE | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643488 | XXXXXXXX | XXXXXXXX | 7147176 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX needed for loan amount of XXXXXX guidelines require loan amount of XXXXXXXXX |  | Compensating factors; residual value of subject property, reserves XXXX months, XXXXX XXX months primary residence mortgage. |  |  |  | 05/22/2025 B | 2 | XXXXXX | NE | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643489 | XXXXXXXX | XXXXXXXX | 7145530 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX require properties with less than XXXX square fee have senior management approval. XXXX subject property has XXXX square feet. |  | Compensating XXXXX XXXXXX credit; no derogatory credit on credit bureau; XXXXXX XXXXXX XX mtgs reporting paid XXX for XXXX months. |  |  |  | 05/11/2025 B | 2 | XXXXXX | CA | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1643489 | XXXXXXXX | XXXXXXXX | 7145531 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX XXXXXXX XXXXX and XXXXX show a XXXXX XX gain of XXXXX used for qualifying rental income. XXXXX income was validated with the XXXXX XXXXX XX resulting in a XXXXX XXXX XXXXX of XXXXX and a XXXX > XXXXX | SCHEDULE XX income of XXXXXXX net gain. XXXXX XXXX XX XX XXXX XXXX XXXXXXX XXXX XXXXXXX : XXXX XXXX gain/loss: XXXXXX XXXX XXXX XXX XXXX XXXX XXXX XXXXXXX XXXX XXXXXXX : XXXX XXXX gain/loss: XXXXXX XXXX XXXXX XXXX (pre XXXXX XXXX XXXXXXX XXXXX XXXX payment of XXXXXXX (subtracted out) XXXXXXXX XXXX XXXX gain/loss: XXXXXX XXXXX XXXX XXXXX XXX XXXX XXXXXXX XXXXX XXXXXXX XXXX XXXX gain/loss: XXXXXXX XXXXXX XXXXXX + XXXXXX + XXXXXX - XXXXXX = XXXXXXX |  | Client 05/13/2025 02:07 PM; SCHEDULE XX income of XXXXXXX net gain. <br>XXXXX XXXX XX XX XXXXX<br> XXXX XXXXXXX XXXXX<br> XXXXXXXX XXXXX<br> XXXX gain/loss: XXXXXXX<br>XXXX XXXX XXX XXXX XXXXX<br> XXXX XXXXXXX XXXXX<br> XXXXXXXX XXXXX<br> XXXX gain/loss: XXXXXXX<br>XXXX XXXXX XXXX (pre XXXXXX<br> XXXX XXXXXXX XXXXXX<br> XXXX payment of XXXXXXX (subtracted out) <br> XXXXXXXX XXXXX<br> XXXX gain/loss: XXXXXXX<br>XXXX<br>Reviewer 05/14/2025 06:20 AM; Condition has been reviewed. XXX<br>| 05/14/2025 |  | A | 1 | XXXXXX | CA | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1643493 | XXXXXXXX | XXXXXXXX | 7145535 | 868 | XXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXX XXXXX XXXXXX XXXXX did not reflect any policy number. XXXXX must reflect a policy number. | Information provided |  |  | 05/28/2025 |  | A | 1 | XXXXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643493 | XXXXXXXX | XXXXXXXX | 7145536 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's credit report and final bridge XXX are missing from the loan file. XXXX credit review is on hold until documents are received. | Missing documents provided |  |  | 05/22/2025 |  | A | 1 | XXXXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643493 | XXXXXXXX | XXXXXXXX | 7145537 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXX borrower should have sufficient active tradelines. XXXXXX XXXXXXX has no active tradelines. |  | Compensating XXXXXXX mortgage history, good amount in assets after closing, significant equity and XXXX fico score. |  |  |  | 05/22/2025 B | 2 | XXXXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643493 | XXXXXXXX | XXXXXXXX | 7145538 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX shock to be under XXXX XXXXXX XXXXXXXX shock over XX |  | Compensating XXXXXXX mortgage history, good amount in assets after closing, significant equity and XXXX fico score. |  |  |  | 05/22/2025 B | 2 | XXXXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643493 | XXXXXXXX | XXXXXXXX | 7145539 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX XXXX for fixed income is XXXX XXXXXX XXXXXX is over XXXXXX |  | Compensating XXXXXXX mortgage history, good amount in assets after closing, significant equity and XXXX fico score. |  |  |  | 05/22/2025 B | 2 | XXXXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643496 | XXXXXXXX | XXXXXXXX | 7145666 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXX XXXX XXXXX |  | DEVIATION: XXXXX XXXXX XXXXXXX has approved no current mortgage history as the borrower's current primary has been free & clear since XXXXX XXXXXXX XXXXX XXXXXX XXXXXX XXXX XXXXX XXXX XXXXX depth of XXX years. XXXXX paid as agreed. XXXX had any late payments with XXXXX credit depth |  |  |  | 05/20/2025 B | 2 | XXXXXX | CO | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643499 | XXXXXXXX | XXXXXXXX | 7145546 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX assets were approved for use in the calculation of asset depletion income. |  | The exception was granted for the use of business funds from XXXX to calculate asset depletion income with the following compensating factors: XXXXX history is XXXXX XXXX borrowers have a low XXXX at XXXXXXX XXXX borrowers are experienced homeowners with XX other properties. XXXX XXXX |  |  |  | 05/19/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1643499 | XXXXXXXX | XXXXXXXX | 7145548 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX appraiser stated the home is a XXXXX XXXXX residence with XXXXXX XXXXX and XXXX listed as a multifamily. XXXX determination is the property is a single family with an accessory unit. |  | The exception was granted for the property as a XXXXX family with an accessory unit, with the following compensating factors: XXXXX history is XXXXX XXXX borrowers have a low XXXX at XXXXXXX XXXX borrowers are experienced homeowners with XX other properties. XXXX XXXX |  |  |  | 05/19/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1643502 | XXXXXXXX | XXXXXXXX | 7145549 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing form the loan file. XXXX credit review is on hold until documents are received. | Document provided |  |  | 05/23/2025 |  | A | 1 | XXXXXX | OH | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643503 | XXXXXXXX | XXXXXXXX | 7145550 | 1015 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - IRS Transcripts required |  | XXXXX & XXXXX missing | Received XXXXX & XXXXX transcripts |  |  | 05/28/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1643504 | XXXXXXXX | XXXXXXXX | 7145551 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX needed for self-employed less than XX years. XXXXXXX require XX years self-employment |  | Compensating factors; XXXXX of XXXXXX after closing. XXXXX history |  |  |  | 05/14/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643509 | XXXXXXXX | XXXXXXXX | 7145671 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX needed for cash out with ownership less than XX months. XXXXX out loans require ownership of atleast XX months. |  | Compensating XXXXX XXXX rental history, XXX previous mortgage history, XXXXX after closing. |  |  |  | 05/19/2025 B | 2 | XXXXXX | HI | 2 | 13 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643510 | XXXXXXXX | XXXXXXXX | 7145672 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX is self employed for less than two years and should be employed for two years. |  | Compensating factors: length of employment with professional industry with high pay, XXXXX XXX month for prior primary residence, residual income over XXXXX |  |  |  | 05/29/2025 B | 2 | XXXXXX | ID | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643510 | XXXXXXXX | XXXXXXXX | 7145673 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX has XX months XXXX statements vs. XXX months XXXX statements needed for program. |  | Compensating factors: length of employment with professional industry with high pay, XXXXX XXX month for prior primary residence, residual income over XXXX prior XXX income for XX years support earnings for the profession. |  |  |  | 05/29/2025 B | 2 | XXXXXX | ID | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643511 | XXXXXXXX | XXXXXXXX | 7145555 | 378 | XXXXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | XXXX XXXX XXXXX needs the following items corrected XXXXX XXXX & XXXXX XXXX number are missing from the XXXX XXXXX XXXXXXXX XXXXX you occupy the property as your primary residence? XXXXX no, but this is the purchase of a XXXX XXXXXX so the answer should be XXXX \* XXX XXXXX have you had an ownership interest in another property in the last three years? XXXXX no, but the borrower is a prior homeowner and XXXXX prior primary in the last XXX months \* XXX XXXXX complete XXXX and XXXXX XX & XX to be answered | received revised XXXX |  |  | 05/29/2025 |  | A | 1 | XXXXXX | FL | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1643512 | XXXXXXXX | XXXXXXXX | 7145674 | 201 | XXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | XXXX hazard policy in file is an application. XXXXX provide policy. | Information provided |  |  | 05/30/2025 |  | A | 1 | XXXXXX | AZ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643512 | XXXXXXXX | XXXXXXXX | 7145675 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX XXXX is XXXX XXXXXX XXXXXX is over XXXX XXXXX |  | Compensating XXXXXXXX pride in ownership living in primary for XX years, experienced investor, XXXX XXXX mortgages paid XXX and nice collateral. |  |  |  | 05/29/2025 B | 2 | XXXXXX | AZ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643513 | XXXXXXXX | XXXXXXXX | 7145558 | 436 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete VOE |  | XXXXX is not dated. | Received XXXXX dated |  |  | 05/16/2025 |  | A | 1 | XXXXXX | LA | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1643515 | XXXXXXXX | XXXXXXXX | 7145559 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXX is over XXXXX |  | The exception for payment shock over maximum was granted with the following compensating factors: XXXXXX have good pride in ownership over XX years. XX years on the job; XXXXX is XXXX and XXXX with the mortgage paid on time for XXX months. |  |  |  | 05/19/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643515 | XXXXXXXX | XXXXXXXX | 7145560 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXXX must be self-employed for XX years. |  | The exception for XXXXXXXX less than XX years was granted with the following compensating factors: XXXXXX have good pride in ownership over XX years. XX years on the job; XXXXX is XXXX and XXXX with the mortgage paid on time for XXX months. |  |  |  | 05/19/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643516 | XXXXXXXX | XXXXXXXX | 7145561 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXXXXX borrowers should have a XXXXX history of self-employment. XXXXXX XXXXXXXX XX years XXXX (has been in the industry for over XX years). |  | Compensating XXXXXXX debt payment history, XXX rent payment history, additional assets for reserves and XXXX XXXXX score. |  |  |  | 05/22/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643516 | XXXXXXXX | XXXXXXXX | 7145562 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX months bs income should have XXX months of XXXX statements. XXXXXX XXXXXXXX XXX months XXX for qualifying income (using XX months XXXX statements, due to XXX length). |  | Compensating XXXXXXX debt payment history, XXX rent payment history, additional assets for reserves and XXXX XXXXX score. |  |  |  | 05/22/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643516 | XXXXXXXX | XXXXXXXX | 7145563 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX payment shock for XXXX over XXXX is XXXX XXXXXX XXXXXXXX shock is over XXXXX |  | Compensating XXXXXXX debt payment history, XXX rent payment history, additional assets for reserves and XXXX XXXXX score. |  |  |  | 05/22/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643516 | XXXXXXXX | XXXXXXXX | 7145564 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXX max XXXX should be XXXX XXXXXX XXXXXX over XXXX for XXXX |  | Compensating XXXXXXX debt payment history, XXX rent payment history, additional assets for reserves and XXXX XXXXX score. |  |  |  | 05/22/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643517 | XXXXXXXX | XXXXXXXX | 7145565 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXX XX million |  | DEVIATION: XXXXX XXXX XXXXXXXX XXXXXXX XXXXX XXXXX collateral, XXXXX XXXX time, XXXXX XXXXX XXXX paid XXX last XX months |  |  |  | 05/21/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1643517 | XXXXXXXX | XXXXXXXX | 7145567 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXXX dated XXXXXX does not reflect XXXX XXXXX in the amount of XXXXXXXXXX per month. XXXXXX needed | Received revised appraisal |  |  | 05/28/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1643517 | XXXXXXXX | XXXXXXXX | 7145568 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX XXXX statements were used to calculate income. XXXXXX XXXXX XXXXX XXXXXX from XXXX XXXX XXXX is missing from this file. XXX explanation as to why XXXXXX XXXXX XXXXX XXXXXX was not utilized in calculating the borrower's income. XXX consecutive XXXX statements need to be utilized. XXXX XXXX XXXX XXXX XXXXXX XXXXX XXXXX XXXXXX XXXXXXX conditions may apply. | September XXXX statement provided |  |  | 05/23/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1643518 | XXXXXXXX | XXXXXXXX | 7145676 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX amounts less than the minimum XXXXXXX are available on an exception basis. XXXX loan amount is XXXXXXX |  | Compensating XXXXX XXXX XXXXX XXXXX XXXXXX XXXXX cash reserve level, XXXXX months; XXXXXX credit, not a credit abuser, XXXX XXXX no derogatory credit on credit bureau. |  |  |  | 06/12/2025 B | 2 | XXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1643521 | XXXXXXXX | XXXXXXXX | 7145570 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX require senior management approval for rural properties. XXXXXX shows subject property is rural, XXXXX built up. |  | Compensating XXXXX XXXX employment history of XX years; XXX months reserves; good mortgage history, XXXX mos; good credit, not a credit abuser, XXXX XXXX |  |  |  | 06/03/2025 B | 2 | XXXXXX | SC | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1643523 | XXXXXXXX | XXXXXXXX | 7145681 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 05/28/2025 |  | A | 1 | XXXXXX | AZ | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643527 | XXXXXXXX | XXXXXXXX | 7147192 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documentation provided |  |  | 06/17/2025 |  | A | 1 | XXXXXX | NM | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1643528 | XXXXXXXX | XXXXXXXX | 7145688 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XX years XXXXXXXX is required for XXX month XXXX statement program. XXXX borrower has XX year self-employment verified. |  | The exception for less than XX years self-employment was granted with the following compensating factors: XXXXX in reserves XXXX XXXXX |  |  |  | 05/27/2025 B | 2 | XXXXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643529 | XXXXXXXX | XXXXXXXX | 7145689 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX loan amount is XXXXXX XXXX loan amount for subject is XXXXXXX |  | Compensating XXXXX XXXX of XXXXX XXXXX in the amount of XXXXXXX XXXXX has been a seasoned homeowner for XXX years. |  |  |  | 06/03/2025 B | 2 | XXXXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1643530 | XXXXXXXX | XXXXXXXX | 7145577 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXX XXXXXX XXXXXX |  | Compensating XXXXXXXXXX investor, good pride in ownership living in primary for XX years, good collateral, low XXXX and XXXX fico. |  |  |  | 05/29/2025 B | 2 | XXXXXX | TX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643534 | XXXXXXXX | XXXXXXXX | 7145578 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX property is rural and requires approval by XXXXXX |  | The exception was granted for rural property with the following compensating factors: XXXX XXXXX all consumer credit paid as agreed. XXXXX XXXX in reserves. XXXX borrower has XXX years in the same business. |  |  |  | 05/27/2025 B | 2 | XXXXXX | OR | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1643534 | XXXXXXXX | XXXXXXXX | 7145579 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX shock exceeds maximum of XXXX at XXXXX |  | The exception was granted for payment shock exceeding the maximum with the following compensating factors: XXXX XXXXX all consumer credit paid as agreed. XXXXX XXXX in reserves. XXXX borrower has XXX years in the same business. |  |  |  | 05/27/2025 B | 2 | XXXXXX | OR | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1643535 | XXXXXXXX | XXXXXXXX | 7145581 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX is below the minimum XX at XXXX |  | The exception for XXXXX below XX was granted with the following compensating factors. XXXX XXXX at XXXX XXXXX of XXXXXXXXX XXXXX is a seasoned homeowner and XXXXX is XXXX mortgage payments made on time XXXXX |  |  |  | 05/22/2025 B | 2 | XXXXXX | CO | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643535 | XXXXXXXX | XXXXXXXX | 7145582 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX grade below XXX requires XXXXX management approval. XXXX is at XX |  | The exception for XXXXX below XXX was granted with the following compensating factors. XXXX XXXX at XXXX XXXXX of XXXXXXXXX XXXXX is a seasoned homeowner and XXXXX is XXXX mortgage payments made on time XXXXX |  |  |  | 05/22/2025 B | 2 | XXXXXX | CO | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643536 | XXXXXXXX | XXXXXXXX | 7145690 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX XXXXXX XXXX is missing from this file | Transmittal provided |  |  | 06/12/2025 |  | A | 1 | XXXXXX | HI | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 1643536 | XXXXXXXX | XXXXXXXX | 7145691 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXXX property is XXXX XXXXX will consider some rural properties, but all require senior management approval. | Addressed on the XXXXX loan approval |  |  | 06/12/2025 |  | A | 1 | XXXXXX | HI | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 1643536 | XXXXXXXX | XXXXXXXX | 7145693 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXXX footage less than XXXX is eligible with XXXXX XXXXXXX XXXXXX |  | DEVIATION: XXXXX XXXX XXXXX for property under XXXX sq foot. XXXXXXX XXXXX XXXXX XXXXXX owns investment property for XXXXX XXXXX XXXX XXXXX and XXXX paid XXXXXX & XXXX XXXXX |  |  |  | 06/11/2025 B | 2 | XXXXXX | HI | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 1643538 | XXXXXXXX | XXXXXXXX | 7145589 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final XXX for bridge loan proceeds are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 06/03/2025 |  | A | 1 | XXXXXX | ID | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643539 | XXXXXXXX | XXXXXXXX | 7145590 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX requires XXXX score. XXXXXX XXXXXX XXXXX score. |  | Compensating XXXXXXX file since XXXX over XXXXX in assets after close, good job history, good residual income, good previous mortgage history. |  |  |  | 05/21/2025 B | 2 | XXXXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643539 | XXXXXXXX | XXXXXXXX | 7145591 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXX pay shock XXXX XXXXXX XXXXXXXXX payment shock of XXXXX because current primary is free and clear. |  | Compensating XXXXXXX file since XXXX over XXXXX in assets after close, good job history, good residual income, good previous mortgage history. |  |  |  | 05/21/2025 B | 2 | XXXXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643540 | XXXXXXXX | XXXXXXXX | 7145592 | 201 | XXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | XXXX XXXX XXXXX XXXXXX XXXXX was not found in the file. XXXX evidence of XXXXX XXXXXXX | Information provided |  |  | 06/04/2025 |  | A | 1 | XXXXXX | GA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1643541 | XXXXXXXX | XXXXXXXX | 7145596 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX loan amount is XXXXX XXXXXX XXXXXXX below minimum of XXXX |  | Compensating XXXXXX XXXX of XXXXX seasoned homeowner for XXX yrs, good reserves of over XXXX and XXXX fico score. |  |  |  | 05/24/2025 B | 2 | XXXXXX | MN | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643542 | XXXXXXXX | XXXXXXXX | 7145597 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXX XXXX is XXXX XXXXXX XXXXXX XXX |  | Compensating XXXXXXX pride in ownership, living in primary for XXX yrs, good collateral, XXXX credit score, no derogatory, mortgage paid XXX for XXX months, not an abuser of credit and previous commercial investment experience. |  |  |  | 05/29/2025 B | 2 | XXXXXX | UT | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1643542 | XXXXXXXX | XXXXXXXX | 7145598 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX loan amount is XXXX million. XXXXXX XXXXXXX amount is over XXXX million. |  | Compensating XXXXXXX pride in ownership, living in primary for XXX yrs, good collateral, XXXX credit score, no derogatory, mortgage paid XXX for XXX months, not an abuser of credit and previous commercial investment experience. |  |  |  | 05/29/2025 B | 2 | XXXXXX | UT | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1643543 | XXXXXXXX | XXXXXXXX | 7145696 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX is XXXX for XXXX XXXX XXXXX XXXXX purchase. |  | Compensating factors: XXXXX and rental history XXXXX stable line of work as XXXX with high earning potential, XXX months reserve above minimum requirement of XX months. |  |  |  | 05/29/2025 B | 2 | XXXXXX | IL | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1643543 | XXXXXXXX | XXXXXXXX | 7145697 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX require XXXXX to be self-employed minimum XX years. XXXXXX approved for XXXXX has been self-employed < XX years (since XXXXXXX XXXXX transitioned from XXX to XXXXX XXXX |  | Compensating factors: XXXXX and rental history XXXXX stable line of work as XXXX with high earning potential, XXX months reserve above minimum requirement of XX months. |  |  |  | 05/29/2025 B | 2 | XXXXXX | IL | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1643544 | XXXXXXXX | XXXXXXXX | 7145602 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 06/09/2025 |  | A | 1 | XXXXXX | OR | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643546 | XXXXXXXX | XXXXXXXX | 7145603 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX borrower had a modification less than XX years. XXXXXXXX are required to be XX years or oler. |  | The exception was granted for the borrower's modification less than XX years ago with the following compensating factors. XXXXX residence XXXX yrs), experienced investor, XXXXX greater than XXXX at XXXX XXXXX is XXXX with no late payments on the primary mortgage. |  |  |  | 06/17/2025 B | 2 | XXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643547 | XXXXXXXX | XXXXXXXX | 7145698 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX provide mortgage statements for the following property addresses that were not on the borrower's list of properties that have been paid in full XXXXX XXXX XXXXX XXXX XXXXX XXXX XXXXX XXXX XXXXX XXXX XXXXX XXXX XXXXX XXXXXX XXXXX and XXXX XXXX XXXX | Approved per XXX discretion |  |  | 06/02/2025 |  | A | 1 | XXXXXX | NV | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1643548 | XXXXXXXX | XXXXXXXX | 7145703 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX ownership by one entity is XXXX XXXXXX XXXXX XXXX for over XXXX of units owned by XX owner |  | Compensating XXXXXXXXX residence XXXX yrs), low XXXXX good reserves after close and XXXX fico score. |  |  |  | 05/30/2025 B | 2 | XXXXXX | GA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1643549 | XXXXXXXX | XXXXXXXX | 7145610 | 351 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | XXXX max XXXX for a XXXX XXXXX XXXXXX is XXXX XXXX borrower's XXXXX to income ratio is XXXXX |  | The exception for exceeding the maximum debt-to-income ratio was granted with the following compensating factors: XXXX borrower has had a stable residence for XXX years and stable employment for XXX years. XXXX borrower has over XXXXX in residual income. XXXXX is XXXXX |  |  |  | 06/04/2025 B | 2 | XXXXXX | NH | 2 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643549 | XXXXXXXX | XXXXXXXX | 7145611 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX borrower does not have the required XXXXX housing history for a XXXXX-time homebuyer. |  | The exception for no housing history was granted with the following compensating factors: XXXX borrower has had a stable residence for XXX years and stable employment for XXX years. XXXX borrower has over XXXXX in residual income. XXXXX is XXXXX |  |  |  | 06/04/2025 B | 2 | XXXXXX | NH | 2 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643550 | XXXXXXXX | XXXXXXXX | 7147193 | 862 | XXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XXXX XX is missing from file. XXXXX provide along with XXXX to re-record. | Document provided |  |  | 06/03/2025 |  | A | 1 | XXXXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1643551 | XXXXXXXX | XXXXXXXX | 7145704 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | XXXXX provide the XXXXX XXXXXX | Information provided |  |  | 06/20/2025 |  | A | 1 | XXXXXX | MA | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1643553 | XXXXXXXX | XXXXXXXX | 7145614 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX has been self employed for only XX months. XXXX requires XXXX years |  | Compensating factors: XXXXXX approved. XXXXX has paid credit as agreed and has reserves of XXXX |  |  |  | 06/03/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643555 | XXXXXXXX | XXXXXXXX | 7145705 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX properties must be approved by XXXXX XXXXX XXXX XXXXXX XXXXXXXXX XXXXX XXXXXX has approved as property is rural and in a declining market. |  | Compensating XXXXXXXX XXXXX scores, credit depth of XXX years, all mortgages paid as agreed, no late payments and low ltv. |  |  |  | 06/04/2025 B | 2 | XXXXXX | OR | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1643558 | XXXXXXXX | XXXXXXXX | 7145616 | 384 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | XXXXX is required to be self-employed for a minimum of two years. XXXXX has only been self-employed since XXXXX |  | Compensating factors: XXXXX will have XXXXXX assets after closing. XXXXX has perfect rental history and XXXX credit score. |  |  |  | 05/27/2025 B | 2 | XXXXXX | NV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643559 | XXXXXXXX | XXXXXXXX | 7145617 | 350 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXXXX refinance XXXXX XXXXX program using short-term rent is limited to a XXXX XXXX XXXX loan is at XXX |  | Compensating XXXXXXXXX XXXXXX XXXXX XXXXX XXXXXXX XX years in primary residence. XXXX years in the same business when only XX years required |  |  |  | 06/20/2025 B | 2 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643559 | XXXXXXXX | XXXXXXXX | 7145618 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXXXX rental income requires XXX months history. XXXXX history on this loan only verified for XX months. |  | Compensating XXXXXXXXX XXXXXX XXXXX XXXXX XXXXXXX XX years in primary residence. XXXX years in the same business when only XX years required. |  |  |  | 06/20/2025 B | 2 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643560 | XXXXXXXX | XXXXXXXX | 7145621 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final XXX for the sale of the departing residence was missing from the loan file. XXXX credit review is on hold until documents are received. | Documentation provided |  |  | 06/12/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643560 | XXXXXXXX | XXXXXXXX | 7145622 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXXX be XX yrs self-employed. XXXXXX XXXXXXX than XX yrs self-employed. |  | Compensating XXXXXXX pride in ownership, living in primary home for over XX years, XXXX has a good job history, XXXX fico score, no derogatory credit, all mortgages paid on time and low ltv. |  |  |  | 06/12/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643560 | XXXXXXXX | XXXXXXXX | 7145623 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX XXXX pay shock. XXXXXX XXXXX XXXX shock over XXXX |  | Compensating XXXXXXX pride in ownership, living in primary home for over XX years, XXXX has a good job history, XXXX fico score, no derogatory credit, all mortgages paid on time and low ltv. |  |  |  | 06/12/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643560 | XXXXXXXX | XXXXXXXX | 7145624 | 904 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Closing Disclosure from sale of existing property/source of funds |  | XXXXX final signed cd from sale of departing property. | Received XXXXX XXXXX |  |  | 06/12/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643567 | XXXXXXXX | XXXXXXXX | 7145706 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXX borrower must had owned their primary residence for XXX months. XXXXXX XXXXXXXXX does not own a home. XXXXXX renting. |  | Compensating XXXXXXX file since XXXX over XXXX in assets after close, good job history, good residence time, good mortgage history and XXXX fico score. |  |  |  | 06/02/2025 B | 2 | XXXXXX | TX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1643568 | XXXXXXXX | XXXXXXXX | 7145626 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX shock above XXX is permitted with XXXXX management approval, not to exceed XXXXX XXXXXX XXXXXXXXXXXXX approved XXXXX payment shock due to no mortgage on departure property. |  | Compensating XXXXXXXXX homeowner, departing property is free and clear, no late payments, exceeds reserve requirement of XX months with XXXXX months in reserves after close, XXXX fico and good job history. |  |  |  | 06/18/2025 B | 2 | XXXXXX | FL | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643569 | XXXXXXXX | XXXXXXXX | 7145628 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX for XXX within XXX days of closing missing from file. | Received XXX day XXXX |  | Reviewer 06/09/2025 09:17 AM; Document received is not legible<br>| 06/09/2025 |  | A | 1 | XXXXXX | MN | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643570 | XXXXXXXX | XXXXXXXX | 7145707 | 437 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXX is missing from this file | Received XXXX |  |  | 06/18/2025 |  | A | 1 | XXXXXX | MA | 1 | 1 D A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643571 | XXXXXXXX | XXXXXXXX | 7145634 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXXX below XXX requires XXXXXXXXX approval. XXXXXX XXXXXXX XXX XXXX |  | Compensating XXXXXXXXX investor, mortgages paid XXXXX over XXX months, fico score of XXXX is above minimum requirement of XXXXX XXX months reserves from own funds and only XX months are required. |  |  |  | 06/17/2025 B | 2 | XXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643572 | XXXXXXXX | XXXXXXXX | 7145680 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX credit reports are missing from the loan file. XXXX credit review is on hold until documentation is received. | Documentation provided |  |  | 06/19/2025 |  | A | 1 | XXXXXX | NJ | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643576 | XXXXXXXX | XXXXXXXX | 7145638 | 424 | XXXXXX | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Report invalid or expired |  | XXXX appraisal report is greater than XXXX days old and missing the recertification of value. |  | Compensating XXXXXXXXX XXXXXXXXX XX x XXX XXXXX XXXXX XXXXXX XXXXX years in XXXX XXXXXX XXXXXX XXXXXXX |  |  |  | 06/20/2025 B | 2 | XXXXXX | TN | 3 | 13 D B | N/A | N/A |  | Exempt | 1 |
| 1643577 | XXXXXXXX | XXXXXXXX | 7145639 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX loan amount is below the minimum of XXXXXX at XXXXXXX |  | Compensating XXXXXX of XXXX where the maximum is XXXX and XXXXX of XXXX where the minimum is XXXXX |  |  |  | 06/19/2025 B | 2 | XXXXXX | SC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643582 | XXXXXXXX | XXXXXXXX | 7145651 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXX to be self-employed in same business for two years. XXXXXX XXXXXXXX XXXX statement income average of XX months of prior job with ex-spouse and most recent XXXX average of XXXX statement income from new self-employed business. |  | Compensating XXXXX XXXX XXXX where the maximum allowed is XXXXX XXX years in the same line of work, XXXX fico score where XXXX is the minimum required, residual income of XXXXXXX and XXXXX months reserves where XX months are required |  |  |  | 04/19/2025 B | 2 | XXXXXX | GA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1643583 | XXXXXXXX | XXXXXXXX | 7145652 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX tradeline requirement with XX year credit history with XX tradelines with two active has not been met. XXXXXX two accounts opened XXXX |  | Exception granted. XXXXXXX factors: XXXX XXXX of XXXX with max XXXX of XXXX for XXXXXXXX XXX years job stability with current company, XXXXX XXXX with minimum of XXXXX of XXXX required, no derogatory repayment history on credit report |  |  |  | 03/13/2025 B | 2 | XXXXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643583 | XXXXXXXX | XXXXXXXX | 7145653 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX updated loan approval reflecting paystubs used for qualifying and not asset depletion and income worksheet verifying XXX calculation. XXXXX are short to close after translation. XXXXX review is on hold until documents are received. | Missing documents provided |  |  | 03/18/2025 |  | A | 1 | XXXXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643583 | XXXXXXXX | XXXXXXXX | 7145654 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | updated loan approval confirming XXXXXX XXXX XXXXX XXXXX not asset depletion. XXXXX doc type XXXXXX XXXX vs XXXX depletion | Received approval with alterntive doc type. |  | Reviewer 03/20/2025 09:08 AM; The approval received reflects doc type of XXXXX XXXX - XX year taxes. XXXX are no tax returns located in the file<br>| 03/20/2025 |  | A | 1 | XXXXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643585 | XXXXXXXX | XXXXXXXX | 7145662 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXX fico score for XXXX is XXXX XXXXXX XXXXXX XXXXX score. |  | Compensating XXXXXXXXX in file cover XXX months reserves, significant equity in subject property and low ltv. |  |  |  | 05/14/2025 B | 2 | XXXXXX | NV | 1 | 13 C B | A | A |  | Higher Priced QM (APOR) | 1 |
| 1643585 | XXXXXXXX | XXXXXXXX | 7145663 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXXX XX months property ownership for XXXX refinances. XXXXXX XXXXX XXXXX ownership seasoning is XX month in own name. |  | Compensating XXXXXXXXX in file cover XXX months reserves, significant equity in subject property and low ltv. |  |  |  | 05/14/2025 B | 2 | XXXXXX | NV | 1 | 13 C B | A | A |  | Higher Priced QM (APOR) | 1 |
| 1643585 | XXXXXXXX | XXXXXXXX | 7145664 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXX XXXXX income documentation. XXXXXX XXXXXXXX employed borrower was a XXXX through XXXX |  | Compensating XXXXXXXXX in file cover XXX months reserves, significant equity in subject property and low ltv. |  |  |  | 05/14/2025 B | 2 | XXXXXX | NV | 1 | 13 C B | A | A |  | Higher Priced QM (APOR) | 1 |
| 1643701 | XXXXXXXX | XXXXXXXX | 7145806 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX was missing from the loan file. XXXX credit review is on hold until documents are received. | Documents provided |  |  | 06/24/2025 |  | A | 1 | XXXXXX | NM | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643701 | XXXXXXXX | XXXXXXXX | 7145807 | 328 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXX XXXXX history for XXX months. XXXXX XXXX XXXX XXXXX XXXX on a mortgage. |  | Compensating factors: XXXX XXXXX is XXXXX XXXXX depth is XXX years. XXXX mortgages were paid as agreed. XXXXX residual income over XXXXXXX |  |  |  | 06/24/2025 B | 2 | XXXXXX | NM | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643702 | XXXXXXXX | XXXXXXXX | 7145808 | 875 | XXXXXX | Compliance | Disclosure |  | Disclosure - Other: |  | XX consent on or before XXXX is missing | Information provided |  | Reviewer 06/23/2025 01:00 PM; E-consent has not been provided<br>| 06/24/2025 |  | A | 1 | XXXXXX | NC | 1 | 1 D A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1643702 | XXXXXXXX | XXXXXXXX | 7145809 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final bridge XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 06/22/2025 |  | A | 1 | XXXXXX | NC | 1 | 1 D A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1643703 | XXXXXXXX | XXXXXXXX | 7145812 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX XXXXX XXXXX XXXXXX XXXXXXX is XXXXX |  | Compensating XXXXXXXXXX investors, XXXX fico score which is above the minimum requirement, low ltv and plenty of assets after close. |  |  |  | 06/24/2025 B | 2 | XXXXXX | OR | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1643704 | XXXXXXXX | XXXXXXXX | 7145813 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents provided |  |  | 06/24/2025 |  | A | 1 | XXXXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643704 | XXXXXXXX | XXXXXXXX | 7145814 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX payment shock is over the maximum of XXXX loan is at XXXXX |  | Compensating factors: XXXX borrower has a XXXXX of XXXX with an excellent credit history and no derogatory credit. XXXX borrower is not a credit abuser. XXXX XXXX is XXXXX XXXX residual income is XXXXXX and all reserves after closing are at XXXXXXXX |  |  |  | 06/24/2025 B | 2 | XXXXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643706 | XXXXXXXX | XXXXXXXX | 7145815 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX the XXXXX loan is in an XXXXX | Received XXXX by XXX |  |  | 06/24/2025 |  | A | 1 | XXXXXX | OR | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643706 | XXXXXXXX | XXXXXXXX | 7145816 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XXXXX XXXX if lease reflects higher rents than the XXXX the lease amount may be used for gross rents if XX months proof of receipt is verified. XXXXXX XXXXXXXXX rent free, no primary housing expenses, to XXXXXX for gross rents verses market rents of XXXX |  | Compensating XXXXXX a XXXX fico which is above the requirement of XXXXX low ltv, experienced investor, credit on file for over XXX yrs (since XXXXX and only using XXX of available credit. |  |  |  | 06/23/2025 B | 2 | XXXXXX | OR | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643707 | XXXXXXXX | XXXXXXXX | 7145817 | 378 | XXXXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | XXXXXX information on the XXXXX is incomplete for XXXXX XXXXX XXXX and/or XXXXX XXXX number needed | Received revised XXXXX with phone # |  |  | 06/26/2025 |  | A | 1 | XXXXXX | VT | 1 | 1 D A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643709 | XXXXXXXX | XXXXXXXX | 7145819 | 998 | XXXXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | XXXX amount is XXXXXX on credit. XXX needs to be a minimum of XXXXXX (loan amount) | Received revised title |  |  | 06/30/2025 |  | A | 1 | XXXXXX | SC | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1643710 | XXXXXXXX | XXXXXXXX | 7145820 | 437 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXX is missing from this file | received XXXX |  |  | 06/25/2025 |  | A | 1 | XXXXXX | MI | 2 | 1 D A | A | A |  | Non-QM | 1 |
| 1643711 | XXXXXXXX | XXXXXXXX | 7145821 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX report shows a XXX day late on XXXX XXXXXXX XXX day late not allowed. |  | Credit report shows a XXX day late but mortgage transferred but auto payment did not though borrower was told it would. XXXX acknowledged problem but credit not updated. XXXXXXX made an exception to approve. XXXX credit good. XXXX mortgage and job history is good. |  |  |  | 06/23/2025 B | 2 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643713 | XXXXXXXX | XXXXXXXX | 7145822 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX for XXXX unit is XXXX XXXXXX XXXXXX of XXXX on a cash-out XXXX unit. |  | Compensating XXXXXX fico score is above the minimum requirement of XXXXX credit history has been solid for over XXX years, no mortgage late payments within XXX years and experienced investor. |  |  |  | 06/25/2025 B | 2 | XXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643713 | XXXXXXXX | XXXXXXXX | 7145823 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXX over XXXX counting as reserves. XXXXXX XXXXXXXX to be used for reserves with XXXX XXXXX |  | Compensating XXXXXX fico score is above the minimum requirement of XXXXX credit history has been solid for over XXX years, no mortgage late payments within XXX years and experienced investor. |  |  |  | 06/25/2025 B | 2 | XXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643713 | XXXXXXXX | XXXXXXXX | 7145824 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXX of property less than XX months XXXXXX XXXXX XXXXX was purchased less than XX months ago |  | Compensating XXXXXX fico score is above the minimum requirement of XXXXX credit history has been solid for over XXX years, no mortgage late payments within XXX years and experienced investor. |  |  |  | 06/25/2025 B | 2 | XXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643718 | XXXXXXXX | XXXXXXXX | 7145828 | 201 | XXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | XXXXX provide the XXXXX XXXX | Information provided |  |  | 06/23/2025 |  | A | 1 | XXXXXX | NC | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1643720 | XXXXXXXX | XXXXXXXX | 7145829 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX XXXXX XXXX XXXX XXXXXXX for the bridge loan was not provided in the loan file. | Received signed bridge loan XX |  |  | 06/24/2025 |  | A | 1 | XXXXXX | NC | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1643721 | XXXXXXXX | XXXXXXXX | 7145830 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX escrows max XXXX XXXX XXXX is above XXXX |  | Compensating XXXX XXXXX has owned the primary residence for XXXX years, XXXXX scores of XXXXX XXXX was paid for XXX months. |  |  |  | 06/20/2025 B | 2 | XXXXXX | CA | 1 | 13 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643721 | XXXXXXXX | XXXXXXXX | 7145831 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX for XXXXXX when the majority of income is from fixed income. |  | Exception approval received/ XXXXX XXXX - XXXXXXX XXXX XXXXX has owned the primary residence for XXXX years, XXXXX scores of XXXXX XXXX was paid for XXX months. |  |  |  | 06/24/2025 B | 2 | XXXXXX | CA | 1 | 13 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1643723 | XXXXXXXX | XXXXXXXX | 7145833 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX require XXXX minimum XX years. XXX has been XXXX < XX years. |  | Compensating factors: XXXX abuser of credit, XXX has XXXX income and self-employed XX years, more than XXXXX post close reserves. |  |  |  | 06/26/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643723 | XXXXXXXX | XXXXXXXX | 7145834 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX exception approval reflecting comp factors with post close reserves > XXXXXXX XXXXXX approval in file reflects post close reserves > XXXXXX |  | Exception approval received with reserves XXXXXX XXXXXXX factors: XXXX abuser of credit, XXX has XXXX income and self-employed XX years, more than XXXXX post close reserves. |  |  |  | 06/30/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1668586 | XXXXXXXX | XXXXXXXX | 7146225 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | \* XXXXXX XXXX in XXXXX XXX XXXX - XXXXX approval to use appraisal. | Updated approval with management approval to use appraisal. |  |  | 06/30/2025 |  | A | 1 | XXXXXX | NM | 1 | 1 D A | A | A C |  | Non-QM | 1 |
| 1668599 | XXXXXXXX | XXXXXXXX | 7146243 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX require rural properties be approved by senior management. XXXX property is a rural property, XXXXX built-up, XXXX ac. |  | Compensating factors: low ltv for loan program; XXXX employment history; high residual income. |  |  |  | 06/29/2025 B | 2 | XXXXXX | CA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1668615 | XXXXXXXX | XXXXXXXX | 7146256 | 431 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | XXXX documents from the XXXXX loan are missing. XXXXX documents. | Supplied and loan completed |  |  | 06/27/2025 |  | A | 1 | XXXXXX | CO | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1668616 | XXXXXXXX | XXXXXXXX | 7146257 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required. XXXXX has XXXXX XXXXXX granted. |  | Compensating factors: XXXXXX property investor. XXXX XXXX of XXXX well below max of XXXX |  |  |  | 06/26/2025 B | 2 | XXXXXX | CA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1668616 | XXXXXXXX | XXXXXXXX | 7146258 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX funds not permitted. XXXXX received a XXXX gift. |  | Compensating factors: XXXXXX property investor. XXXX XXXX of XXXX well below max of XXXX |  |  |  | 06/26/2025 B | 2 | XXXXXX | CA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1668616 | XXXXXXXX | XXXXXXXX | 7146259 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXXX is short reserves. XXXXXXX re. quire XXX months reserve for loan amounts > XXXXXXXX XXXXX reserves XXXXXXXX actual reserves XXXXXXXXX XXXX XXXXXXXX | Assets in XXXXX XXXXX account XXXXXX can be used as additional reserves. |  |  | 06/27/2025 |  | A | 1 | XXXXXX | CA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1668616 | XXXXXXXX | XXXXXXXX | 7146260 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX XXXX for XXXXX missing from file. XXXXX XX page of addendum provided. | Lease provided |  |  | 07/02/2025 |  | A | 1 | XXXXXX | CA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1668618 | XXXXXXXX | XXXXXXXX | 7146261 | 431 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | XXXXX of closed XXXXX loan to show net proceeds is missing. | Received bridge XXX with net proceeds of XXXX |  |  | 06/27/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 D A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1668619 | XXXXXXXX | XXXXXXXX | 7146262 | 431 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | XXXXX used to close included a XXXXX loan. XXXXX loan closing documents are missing. XXXXX documents. | Bridge loan XXX received |  |  | 06/29/2025 |  | A | 1 | XXXXXX | UT | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1668620 | XXXXXXXX | XXXXXXXX | 7146263 | 861 | XXXXXX | Credit | Note |  | Note - Other: |  | XXXX XXXX of XXXXX was not found in the file. XXXX fully completed, executed and notarized document. | Information provided |  |  | 06/27/2025 |  | A | 1 | XXXXXX | MA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1668620 | XXXXXXXX | XXXXXXXX | 7146264 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXX fico score required for XXXX at XXXX XXXX XXXXXX XXXXXXXX for XXXX fico scoreon XXXX XXXX XXXXX |  | Compensating Factors-Owned home for over 13 yrs, excellent mortgage history and more than enough reserves after closing to cover 6 months required for the loan program. |  |  |  | 06/26/2025 B | 2 | XXXXXX | MA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1668623 | XXXXXXXX | XXXXXXXX | 7146272 | 904 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Closing Disclosure from sale of existing property/source of funds |  | XXXX disclosure from XXXXX loan is required | Received and reviewed |  | Reviewer 06/26/2025 10:53 AM; Need to determine final proceeds amount from the XXXXX loan closing<br>| 06/26/2025 |  | A | 1 | XXXXXX | NC | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1668627 | XXXXXXXX | XXXXXXXX | 7146275 | 459 | XXXXXX | Compliance | Note |  | Note - is missing - No Image of Note found in file |  | XXXX XXXXX was not found in the file. XXXX signed XXXX | Information provided |  |  | 07/01/2025 |  | A | 1 | XXXXXX | OR | 2 | 1 D A C | D | A |  | Safe Harbor QM (APOR) | 1 |
| 1668627 | XXXXXXXX | XXXXXXXX | 7146276 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final bridge XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 06/30/2025 |  | A | 1 | XXXXXX | OR | 2 | 1 D A C | D | A |  | Safe Harbor QM (APOR) | 1 |
| 1668637 | XXXXXXXX | XXXXXXXX | 7146285 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX XX XXXX XXXXX XXXXX XXXXX be approved by XXXX XXXXX XXXXXX |  | DEVIATION: XXXX XXXXX XXXXX XXXXXXX XXXXX XXXX XXXXX XXX least XXX months of reserves, XXXX credit profile dating back XXXX with several mortgage history with no lates |  |  |  | 06/28/2025 B | 2 | XXXXXX | CA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1668638 | XXXXXXXX | XXXXXXXX | 7146286 | 884 | XXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 07/01/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1668643 | XXXXXXXX | XXXXXXXX | 7146293 | 437 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXX is missing from this file | Received XXXX |  |  | 06/27/2025 |  | A | 1 | XXXXXX | CO | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1668643 | XXXXXXXX | XXXXXXXX | 7146294 | 445 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | XXXX was signed by XXXXX XXXX XXXX true name and mailing address of the individual causing this document to be delivered for filing). XXXXXX needed as to who XXXXX is because XXXXX is not shown anywhere in any of the documents in this file. XXXXXXX conditions may apply. | Received revised XXXX with borrower's name |  |  | 06/27/2025 |  | A | 1 | XXXXXX | CO | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1640130 | XXXXXXXX | XXXXXXXX | 7144827 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX exceeds XXXX without income used to support XXXX income - XXXXXXX documentation required | Documentation received to support income from XXXXX XXXX XXX |  | Reviewer 04/23/2025 02:40 PM; \*\*\*\*Return to XXX when received\*\*\*\*\*<br>| 04/24/2025 |  | A | 1 | XXXXXX | NJ | 2 | 1 C B | C | A |  | Non-QM | 1 |
| 1641028 | XXXXXXXX | XXXXXXXX | 7144830 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXX income worksheet for last XXX months of XXXXXXXX XXXX at XXXXX ownership and XXXX XXX supporting income of XXXXXXX for business account ending XXXXX xXXXX of XXXX XXXXX XXXX | Using income on this property and it is negated by XXXX schedule. XXXXX the XXX lower since and hit for a vacancy factor on the XXXX schedule. XXXX rents make the total income negative- see guidelines on XXXX income method used XXXXX XXX XXXXX is a full-time landlord). |  | Client 04/28/2025 03:17 PM; Unclear why the prudent spread has to reflect this as we are using income on this property and it is negated by XXXX schedule. XXX took the XXX lower since we had to hit for a vacancy factor on the XXXX schedule. XXXX rents make the total income negative- see guidelines on XXXX income method used XXXXX XXX XXXXX is a full-time landlord). XXXX you. <br>Reviewer 04/29/2025 01:42 PM; Condition has been reviewed. XXX<br>| 04/29/2025 |  | A | 1 | XXXXXX | NV | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1643392 | XXXXXXXX | XXXXXXXX | 7147146 | 7 | XXXXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | XXXX XXXXXX is missing. XXXXXX provided is dated XXXXX | Initial application provided |  | Reviewer 05/02/2025 11:35 AM; Please provide the initial application for proof of initial application date. <br>Reviewer 05/09/2025 10:06 AM; Initial application has not been provided. <br>Client 05/09/2025 07:27 PM; Legal looking for confirmation regarding file grade/rating. XXXX you. <br>Reviewer 05/12/2025 04:28 AM; <br>Reviewer 05/12/2025 01:25 PM; Hello <br> XXXXX currently grades as a XXXX as is. <br>XXXX<br>Client 05/16/2025 10:09 AM; While XXXXX XXXXX is an industry-standard document, it is not legally required under XXXXX or any federal regulation as a condition for compliance. XXXXX requires that a creditor provide a XXX within three business days of receiving six key pieces of information from the consumer. XXX this case, all six items were received on XXXX XXXX XXXXX XXX XXXX as those six items are received, regardless of the format used, the application is considered complete under XXXX<br>Reviewer 05/16/2025 10:43 AM; <br>Reviewer 05/16/2025 11:50 AM; Hello <br> XXXXX provide evidence of application date, this is needed for trid testing purposes. <br>XXXX<br>Reviewer 05/19/2025 08:37 AM; Initial application is still missing<br>Client 05/19/2025 01:22 PM; Hi, documentation provided. XXXXX includes all necessary items to fulfill the XXXXX requirements. XXXX<br>Reviewer 05/19/2025 02:59 PM; <br>Reviewer 05/20/2025 04:31 PM; Hello <br> XXXXX has been cleared. <br>XXXX<br>| 05/20/2025 |  | A | 1 | XXXXXX | MA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1643429 | XXXXXXXX | XXXXXXXX | 7145460 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX XXXXXX of XXXX is missing from the XXXXX XXXXXX XXXXX XXXX XXXX is required XXXXXXXXXXXX | Property hazard in file shows XXX months business income coverage XXXXXXXXXXXX |  | Client 06/02/2025 10:43 AM; Property hazard in file shows XXX months business income coverage. XXXX you.<br>Reviewer 06/02/2025 11:59 AM; Condition has been reviewed. XXX<br>| 06/02/2025 |  | A | 1 | XXXXXX | TX | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| 1643517 | XXXXXXXX | XXXXXXXX | 7145566 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXX XXXXXX on the XXX XXXXXXX form. XXXX XXXXXX was approved for the loan amount of XXXXXXXX and the current loan amount is now XXXXXXXX |  | Exception for loan size of XXXXXXXX XXXXXXX XXXXX XXXXX collateral, XXXXX XXXX time, XXXXX XXXXX XXXXX paid last XX months. | Client 05/21/2025 04:39 PM; Hi, XXX submission form is not a final form in any way. XXXXX refer to the exception on the XXXX loan approval and summary form. XXXX<br>Reviewer 05/22/2025 04:59 AM; Condition has been reviewed. XXX<br>|  |  | 05/22/2025 B | 2 | XXXXXX | CA | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1643528 | XXXXXXXX | XXXXXXXX | 7145686 | 327 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXX XXX months of cancelled rent checks. XXXX XXXXXXX of rent is with a private individual, which requires XXX months proof of payment with cancelled checks or XXXX statements. | Provided XX months XXX statements showing XXXXX being paid to XXXX XXXXX XXXXX XXX discretion the statements and the XXXX was acceptable. |  | Client 05/28/2025 02:01 PM; With regards to rent we have XX months XXX statements showing XXXXX being paid to XXXX XXXXX XXXXX XXX believed that those with the XXXX was acceptable.<br>Reviewer 05/28/2025 04:14 PM; Condition has been reviewed. XXX<br>| 05/28/2025 |  | A | 1 | XXXXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643534 | XXXXXXXX | XXXXXXXX | 7145580 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXXXXX on XXXX rental income of XXXXXXX if rental income was already used and total gross lease amount of XXXXXXXXX XXX this a percentage of the business XXXX account income on spread-sheet. XXX explanation was provided. XXXXXX missing XX months and not consecutive. | The income that was used is the lessor of the gross rents from XXXX schedule and gross rents in the XXXX statements. XXXX lower was the stated gross rents on XXXX schedule. XX factor of XXXXX vacancy due to the history of the XXXX term commercial tenants supported by lease agreements then the XXXX was backed out to arrive at XXXXXXXX total income |  | Client 05/28/2025 10:10 AM; The income we should be using is the lessor of the gross rents from XXXX schedule and gross rents in the XXXX statements. XXXX lower was the stated gross rents on XXXX schedule. XXX applied a factor of XXXXX vacancy due to the history of the XXXX term commercial tenants supported by lease agreements. XXXXX we backed out the XXXX to arrive at XXXXXXXX total income. XXXX income on this deal should be XXXXXXXX for XXXX of XXXXXX<br>XXXXXX<br>Reviewer 05/28/2025 11:36 AM; Condition has been reviewed. XXX<br>| 05/28/2025 |  | A | 1 | XXXXXX | OR | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1643536 | XXXXXXXX | XXXXXXXX | 7145692 | 445 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | XXXX letter to verify percentage of ownership of business. XXXX XXXXX to state there is a relationship between the borrower & the XXXX and how XXXX the borrower has been self-employed | CPA verification not used. XXXXX of XXXXXXXX and online search provided. |  | Client 06/12/2025 12:23 PM; CPA verification not used. XXXXX of XXXXXXXX and online search provided. XXXX you. <br>Reviewer 06/12/2025 12:48 PM; Condition has been reviewed. XXX<br>| 06/12/2025 |  | A | 1 | XXXXXX | HI | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 1643569 | XXXXXXXX | XXXXXXXX | 7145629 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX for XXX within XXX days of closing missing from file. | Received XXX day XXXX |  | Reviewer 06/09/2025 09:17 AM; Document received is not legible<br>| 06/09/2025 |  | A | 1 | XXXXXX | MN | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1668586 | XXXXXXXX | XXXXXXXX | 7146224 | 445 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | XXXX for XXX is not dated | When XXXX is missing date, XXXXX uses file start date. XXXXX start date XXXXX |  | Client 06/30/2025 12:34 PM; When XXXX is missing date, we use file start date. XXXXX start date XXXXXX XXXX you.<br>Reviewer 06/30/2025 12:59 PM; Condition has been reviewed. XXX<br>| 06/30/2025 |  | A | 1 | XXXXXX | NM | 1 | 1 D A | A | A C |  | Non-QM | 1 |
| 1668638 | XXXXXXXX | XXXXXXXX | 7146287 | 970 | XXXXXX | Compliance | Compliance |  | Compliance - CD- Missing |  | XXXX XXX is missing only the XXXX XXX is provided | Information provided |  | Reviewer 07/01/2025 01:17 PM; CD provided is for bridge loan. XXXXX XXXX for purchase for XXXX XX XXXXX XXXXX XXX<br>| 07/01/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1642002 | XXXXXXXX | XXXXXXXX | 7144820 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXX evidence of departing XXXX of XXXXX monthly required | received XXXX for departing residence |  |  | 03/20/2025 |  | A | 1 | XXXXXX | CO | 1 | 1 C A | C | A C |  | Safe Harbor QM (APOR) | 1 |
| 1643397 | XXXXXXXX | XXXXXXXX | 7145401 | 72 | XXXXXX | Compliance | Closing Package |  | Closing Package - |  | XXXXX marked citizenship as XXXXXXXX XXXXX XXXXXXX provide source to verify information. |  |  | Client 04/07/2025 02:46 PM; ITIN XXXXXXXX provided. XXXXX clear or escalate further. XXXX you. <br>Reviewer 04/07/2025 02:55 PM; <br>Reviewer 04/08/2025 01:36 PM; Hello <br> XXXXX has been cleared. <br>XXXX<br>| 04/08/2025 |  | A | 1 | XXXXXX | IL | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1643415 | XXXXXXXX | XXXXXXXX | 7147153 | 898 | XXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXXXX is failing XXX tolerance for the increase in the XXXXXX fee in XXXX XX of the XXXXX initial XXXXX XXXX is a XXXX for this date but it does not give a valid explanation for this fee increase. XXXXXX amount is XXXXX XXXXX a XXXXX with cure, lox to borrower, and proof of refund, all within XXX days of consummation. | Information provided |  | Client 05/19/2025 04:58 PM; The borrower was quoted XXXXX for appraisal related fees and the final XXX appraisal related fees are XXXX XXXX borrower was not charged more, and no new fees were added in section XXX this should not be considered a XXXXX XXX tolerance violation. XXXX XXX XXXX § XXXXXXXXXXX fees subject to XXX tolerance (such as appraisal and other XXXX XX fees the borrower cannot shop for) cannot increase unless a valid changed circumstance occurs. XXXXX in<br>Reviewer 05/19/2025 06:13 PM; <br>Reviewer 05/20/2025 04:34 PM; Hello <br> XXXX initial XXX disclosed an appraisal fee of XXXXX the XXX disclosed XXXX XXXX not a lump total of appraisal fees, its individual fee comparison. XXXXX is required. <br>XXXX<br>| 05/29/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1643498 | XXXXXXXX | XXXXXXXX | 7145544 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXX from bridge loan for XXXX XXXX XXXXX XXX netting XXXXX minimum XXXXXXX XXXXXXX file to auditor\*\*\*\*\* | Information provided |  | Reviewer 06/04/2025 09:58 AM; Document received and file returned to XXXXX XXXX for review<br>| 06/04/2025 |  | A | 1 | XXXXXX | ME | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1643499 | XXXXXXXX | XXXXXXXX | 7145547 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX borrowers have less than XXXXXX in post closing assets for the asset depletion income calculation. XXXXXX requires XXXXXXXX borrower has XXXXXXXX | As XXXX as the XXX income is not over XXXX of the total income, it can be used to qualify as XXXX there is over XXXXX in post-closing. XXXXX of the income is XXXX statement income, the XXX is just a supplement |  | Client 05/22/2025 06:47 PM; As XXXX as the XXX income is not over XXXX of the total income, we can qualify with XXX if we have over XXXXX in post-closing. <br> - XXXXX has over XXXX XXXX<br> - XXXXX of the income is XXXX statement income, the XXX is just a supplement. <br>XX will upload a snapshot from the guidelines showing this info.<br>Reviewer 05/23/2025 07:50 AM; Condition has been reviewed. XXX<br>| 05/23/2025 |  | A | 1 | XXXXXX | CA | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1643540 | XXXXXXXX | XXXXXXXX | 7145593 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX guidelines, all condotels require XXXXX XXXXXXX XXXXXXX XXXX documentation of XXXXX XXXXXXX XXXXXX | Received XXX mmt approval for XXXX |  | Reviewer 06/04/2025 11:49 AM; Received the XXXX XXXX not receive XXX XXXXX approval for XXXXXX<br>| 06/05/2025 |  | A | 1 | XXXXXX | GA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1643547 | XXXXXXXX | XXXXXXXX | 7145699 | 378 | XXXXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | XXXXX provide a XXXXX with corrected XXXX schedule. XXXX properties are listed under borrower when they actually belong to the coborrower. | The schedule of XXXX is done correctly with the negative rental income on the fathers side |  | Reviewer 06/02/2025 09:54 PM; BX- XXXX does not own the properties listed in the XXXX of his XXXXX XXXX updated XXXXX for XXXX and for XXXXX XXXXX with correct XXXX properties listed.<br>Client 06/03/2025 03:32 PM; The schedule of XXXX is done correctly with the negative rental income on the fathers side. XXXXX clarify why this additional documentation is necessary. XXXX you. <br>Reviewer 06/03/2025 06:12 PM; Condition has been reviewed. XXX<br>| 06/03/2025 |  | A | 1 | XXXXXX | NV | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1643569 | XXXXXXXX | XXXXXXXX | 7145627 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX of self employment needed is XX years at current business, lender approved borrower in business for less than XX years. |  | value and condition of subject property, reserves XXX months, XXXXX XXX months on previous primary residence mortgage and previous self employment history. | Reviewer 06/05/2025 02:11 PM; <br>|  |  | 06/05/2025 B | 2 | XXXXXX | MN | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643575 | XXXXXXXX | XXXXXXXX | 7145636 | 205 | XXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - property address is incorrect. |  | XXXXX provide updated XXXXX XXXXX that reflects the correct property address per legal description. XXXXXX XXX XXXX XXXX XXXXX XXX XXXXX | Information provided |  | Reviewer 06/23/2025 01:58 PM; Zip code look up will not clear deficiency. XXXX must match XXXX description <br>| 06/24/2025 |  | A | 1 | XXXXXX | OR | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1643716 | XXXXXXXX | XXXXXXXX | 7145825 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXXX of assets used to close are in the name of XXXX XXXXXX XXXX is not on loan and no asset use letter is in file nor we know the relationship of her to XXXXXXX | XXXX is XXXXX mother, who is on the XXX and title for the property (approved at XXXX |  | Client 06/20/2025 03:17 PM; XXXX is XXXXX mother, who is on the XXX and title for the property (approved at XXXXX XXXX you. <br>Reviewer 06/20/2025 03:55 PM; Condition has been reviewed XXX<br>| 06/20/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1643399 | XXXXXXXX | XXXXXXXX | 7145404 | 387 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXX satisfactory XXXXX estate taxes for XXXX at XXXX XXX XXXX street for XXXX monthly | The address of XXXX XXX XXXX XXXXX is the XXXXXXXXX home that sits on the subject property. XXXX is not a separate parcel # for this property and taxes are charged on the parcel for the address of our subject property XXXX XXX XXXX XXXXX |  | Reviewer 04/15/2025 11:51 AM; Documents received did not include the XXX taxes for XXXX XXX XXXX XXXX<br>Client 04/23/2025 04:57 PM; The address of XXXX XXX XXXX XXXXX is the XXXXXXXXX home that sits on the subject property. XXXX is not a separate parcel # for this property and taxes are charged on the parcel for the address of our subject property XXXX XXX XXXX XXXXX XXXXXX there are no taxes on that property as they are encompassed into the taxes of our subject. XXXXX high and showed taxes on that property and factored them into the XXXX even though there are no separa<br>Reviewer 04/24/2025 05:03 AM; Condition has been reviewed. XXX<br>| 04/24/2025 |  | A | 1 | XXXXXX | WA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1643491 | XXXXXXXX | XXXXXXXX | 7145659 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX score to use cash out funds for reserves is XXXX XXXXXX score is XXXX and XXXXXXX is XXX |  | Information provided. XXXXXX have owned home for XXXXX years and both borrowers have good job stability XXXXX years and XXXX years) XXXXX depth of XXXXX years | Reviewer 05/19/2025 08:55 AM; XXXX XXX XXXXXXX has approved exception<br>|  |  | 05/22/2025 B | 2 | XXXXXX | OR | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1643559 | XXXXXXXX | XXXXXXXX | 7145619 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX an updated final approval correcting the purpose of the loan to a cash out refinance. | Loan approval reflects business cash out refinance. |  | Reviewer 06/24/2025 08:28 PM; The document provided did not have the purpose of loan completed<br>Client 06/25/2025 10:57 AM; Uploaded XXXXX approval reflects business cash out refinance. XXXX you. <br>Reviewer 06/25/2025 02:18 PM; Condition has been reviewed. XXX<br>| 06/25/2025 |  | A | 1 | XXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1668627 | XXXXXXXX | XXXXXXXX | 7146277 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX approval needs to be corrected to show the correct appraisal value of XXXXXXXXX it currently shows XXXXXXXXX | Revised XXXXX XXXXX provided |  | Reviewer 07/01/2025 02:47 PM; The document received reflected the appraised value of XXXXXX and the appraisal reflects value of XXXXXXX<br>| 07/02/2025 |  | A | 1 | XXXXXX | OR | 2 | 1 D A C | D | A |  | Safe Harbor QM (APOR) | 1 |
| 1643466 | XXXXXXXX | XXXXXXXX | 7145506 | 423 | XXXXXX | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Correction/Clarification |  | XXXXXX from XXXXX XXXXXXX as to why the XXXXXXX do not reflect the following sale XXXXX XXXX XXXXX XXXXX XXXXX XXXX purchased the subject from XXXXX XXXX XXXXX and XXXXX XXXX XXXXXXXX on XXXXXX for XXXXXXXX XXXXXXX state no sales in the last XX years. | As indicated on XXXXX XX of the appraisals, XXXX XXXXX is a non sales disclosure state. XXXXX verify sales XXXXX. |  | Client 05/22/2025 01:03 PM; As indicated on XXXXX XX of the appraisals, XXXX XXXXX is a non sales disclosure state. XXXXX verify sales XXXXX. XXXX you. <br>Reviewer 05/22/2025 03:11 PM; Condition has been reviewed. XXX<br>| 05/22/2025 |  | A | 1 | XXXXXX | NM | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643497 | XXXXXXXX | XXXXXXXX | 7145667 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXX clarification on the neighborhood as a rural community or urban, final approval lists management approval for rural property; however, appraisal lists as urban. | Appraisal is correct. XXXXX approval provided corrected the rural box to confirm property is not rural. XXXXX change pricing at this point, so those notes left as is. |  | Reviewer 05/29/2025 09:49 AM; Property location appears to be rural and approval reflects pricing for rural location. XXXX appraisal that reflects property as rural.<br>Reviewer 05/29/2025 10:17 AM; Approval received did not include the appraisal with property location as XXXXX<br>Client 05/30/2025 10:46 AM; Appraisal is correct. XXXXX approval provided corrected the rural box to confirm property is not rural. XXXXX change pricing at this point, so those notes left as is. XXXX you. <br>Reviewer 05/30/2025 12:43 PM; Condition has been reviewed. XXX<br>| 05/30/2025 |  | A | 1 | XXXXXX | NM | 1 | 1 C A | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1643528 | XXXXXXXX | XXXXXXXX | 7145687 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX loan payments were not included in the XXXXX to XXXXX XXXX and do not state deferred on the credit report. XXXX loan obligations must be included in the debt-to-income ratio calculation except when the loans state deferred on the credit report. XXX no payment is shown on the credit report, then the payment should be provided by the student loan lender. XXX a payment is unable to be determined, XXXX of the current balance may be used. | Student loans a XXXX provided states the student loans are deferred until XXXX |  | Client 05/28/2025 02:02 PM; With regards to the XXXX loans there is a letter in the credit section stating that the student loans are deferred until XXXX<br>Reviewer 05/28/2025 04:14 PM; Condition has been reviewed. XXX<br>| 05/28/2025 |  | A | 1 | XXXXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1643543 | XXXXXXXX | XXXXXXXX | 7145695 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX submitted with XXXXXXX as income. XXXXX started their new position on XXXXXX XXXXX from employer does not support that figure. XXX supports XXXXXXXXX XXXX XXXX the XXX analysis the XXX used a XXXX to determine the income but the XXXX average per the XXXX is XXXXXXXX | The XXXXX "thru" date. XXXXX says it is through XXXXXX – this is due to the difference between the period end date vs the pay date. XXXX confusion is that pay dates are XXX days after the pay period. XXXX XXXXX figure is really therefore only through XXXXXXX which makes sense when you review the paystubs. XXXX paystub for XXXXXXX shows XXXX earnings of XXXXXXXXX XXX have another paystub for XXXXXX showing earnings of XXXXXXXX XXX looks different because borrower had to pull it before the actual pay date (but after the period ended, so the figures are accurate, just that borrower didn't receive the payment yet). XXXXXXX the XXXX earnings per the paystubs through XXXX are XXXXXXX XXXXX figure matches the XXXXX exactly. XXXX XXXXX stated borrower's start date was XXXXXXX so XXXXXX is approximately XXXXX months. XXX took out XXXX from the XXXX which was for training. XXXXX over XXXXX months is XXXXXXXXX XXXXX a XXXX expense factor (since borrower is XXX now, but has minimal expenses), the net income is $ XXXXXXX |  | Client 05/27/2025 02:49 PM; The confusion is the XXXXX "thru" date. XXXXX says it is through XXXXXX – this is due to the difference between the period end date vs the pay date. XXXX confusion is that pay dates are XXX days after the pay period. XXXX XXXXX figure is really therefore only through XXXXXXX which makes sense when you review the paystubs. XXXX paystub for XXXXXXX shows XXXX earnings of XXXXXXXXX XXX have another paystub for XXXXXX showing earnings of XXXXXX<br>Reviewer 05/29/2025 07:06 AM; Condition has been reviewed. XXX<br>| 05/29/2025 |  | A | 1 | XXXXXX | IL | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1643707 | XXXXXXXX | XXXXXXXX | 7145818 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXX reflects the XXXXX XXXX as XXXXXX when the correct XXXXX XXXX XXXXX is XXXXX XXXX XXXXXX - XXXX XXXXX XXXXXXXXXXXX XXXXXX needed and additional conditions may apply | The borrower had to make one payment on a debt to get it to below XXX payments or less to exclude it from the XXXX XXXX amount was XXXX which is the difference between the two and reflected on the XXXXX XXXXX added to the XXXXX XXXXX addressing this. |  | Client 06/26/2025 12:23 PM; The borrower had to make one payment on a debt to get it to below XXX payments or less to exclude it from the dti. XXXX amount was XXXX which is the difference between the two and reflected on the XXXXX XXXXX added to the XXXXX XXXXX addressing this. XXXX you. <br>Reviewer 06/26/2025 12:49 PM; Condition has been reviewed. XXX<br>| 06/26/2025 |  | A | 1 | XXXXXX | VT | 1 | 1 D A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1425384 | XXXX | XXXX | 6924588 | 967 | XXXXXX | Credit | Compliance |  | Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date) |  | The final XX XXXXX and XXXXXX dates are incorrect and do not align with the actaul closing date and disbursement date. | Information provided |  | Reviewer 09/09/2022 10:33 AM; No documentation provided<br>Reviewer 11/22/2022 09:57 AM; CD issued XX/XX/XXXX was already in the file and reviewed. XXX closing date in section F-XX is incorrect. XXXXX date was XX/XX/XXXX<br>Client 12/06/2022 05:07 PM; The loan closing date in section F-XX is correct. XXXXX were originally disbursed on XX/XX/XX. XXXXX was a partial redraw, due to an error on the XXXX, and included was a new deed signed by the borrower on XX/XX/XX.<br>Reviewer 12/07/2022 07:33 AM; <br>Reviewer 12/07/2022 09:53 AM; Hello, XXXX provide all original closing docs for review including the XXXX and XXX. XXX XXXX and XXX are dated X/XX and signed X/XX which is after the X/X funding date listed in section F on the XX. XXXX also upload a letter of explanation to the file detailing the situation. XXXXXX conditions may apply upon receipt and review of all of the original closing documentation and the explanation. XXXXX you<br>Reviewer 12/09/2022 12:48 PM; Please provide all original closing docs for review including the XXXX and XXX. XXX XXXX and XXX are dated X/XX and signed X/XX which is after the X/X funding date listed in section F on the XX. XXXX also upload a letter of explanation to the file detailing the situation. XXXXXX conditions may apply upon receipt and review of all of the original closing documentation and the explanation. <br>| 12/13/2022 |  | A | 1 | XXXXXX | FL | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1643702 | XXXXXXXX | XXXXXXXX | 7145810 | 378 | XXXXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | XXXX XXXXX to be corrected XXXX all XXXX XXXXXX and to include XXXXX XXXX XXXX XXXXXX information for length of employment; XXXX XXXX that is a XXXXX XXXXX is showing as XXXXX and XXXXXXX XX needs to be completed and answered yes for ownership in another property. | Received revised XXXX |  | Client 06/23/2025 06:29 PM; Updated XXXXX provided. XXXXXXX were filled out by the borrower at the beginning of the process based on what they interpreted to be the best way to answer the question. XXXX you. <br>Reviewer 06/24/2025 04:07 AM; Condition has been reviewed. XXX<br>| 06/23/2025 |  | A | 1 | XXXXXX | NC | 1 | 1 D A | C | A |  | Safe Harbor QM (APOR) | 1 |

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## Exhibit 99.28

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.28**

**Valuation Report**

**Run Date - 07/14/2025 11:18:05 AM**

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1425384 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXX | XXXX | 18.52% | XXXX | 1004 |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1445962 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1643392 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643393 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432760 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643394 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1642002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640130 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXX | XXXX | -1.10% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643395 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641028 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643582 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643396 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643583 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643584 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643397 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643398 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643399 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 8.51% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643400 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643401 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643402 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643403 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643404 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643405 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643406 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643407 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643408 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643409 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643410 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643411 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643412 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643413 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643414 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643415 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643416 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Summit Valuation Solutions | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643417 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXX | XXXX | 6.45% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643418 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 6.03% | Vision VMC LLC | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643419 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643421 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643422 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643423 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643424 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643425 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643426 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643427 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643428 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643429 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 10.34% | Clear Capital | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643430 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1643431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643432 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643433 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643436 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643437 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643438 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643439 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643440 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643441 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643442 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643443 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643444 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643445 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643446 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.82% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643447 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643449 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643450 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643451 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.69% | Consolidated Analytics | B- | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643452 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.45% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643453 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643454 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643455 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643456 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643458 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643459 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643460 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643461 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643462 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643463 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643464 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643465 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643466 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXX | XXXX | 0.28% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643467 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643468 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643469 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643470 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.00% | Clear Capital | None provided | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643472 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643473 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643474 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643475 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643476 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643477 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643478 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643479 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643480 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643481 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643482 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643483 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643487 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643488 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643489 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643490 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643699 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.29% | Clear Capital | XXXX |  |  |  |  |  |  |  |  | N/A |  |
| 1643491 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643492 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668586 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643493 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643494 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643585 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643495 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643497 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643498 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643499 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Consolidated Analytics | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643501 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1643502 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| 1643503 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643504 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643505 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643506 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 5.00% | Clear Capital | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643507 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643508 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643509 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 7.00% | Vision VMC LLC | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643510 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643511 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643512 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643513 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643514 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643515 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXX | XXXX | 0.25% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643516 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643517 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXX |  | 0.00% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643518 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.35% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643519 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643520 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643521 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 Desktop | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643522 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643523 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643524 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643525 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643527 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643528 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643529 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643530 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643532 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643533 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643534 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643535 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643536 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643537 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643538 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643539 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643540 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643541 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643542 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643543 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643544 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643545 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643546 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643547 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643548 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643549 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 Desktop | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643550 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXX |  | 0.00% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643551 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.96% | VISION VMC, LLC | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643552 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668589 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC, LLC | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643553 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643554 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643555 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643556 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.85% | Clear Capital | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643557 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXX |  | 0.00% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643559 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643560 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668599 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643561 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643562 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668604 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643563 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643564 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668608 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1075 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643566 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643567 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643706 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643570 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643571 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668614 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Consolidated Analytics | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643711 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643573 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668616 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Visiona | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668618 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643713 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643574 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668619 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643575 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643576 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.79% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643714 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643715 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668623 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643577 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1643578 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643579 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643580 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643718 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668626 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643719 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668627 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668629 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643581 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643721 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668637 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1668643 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.29

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.29**

**Data Compare**

**Run Date - 07/14/2025 11:18:05 AM**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1425384 | XXXX | XXXX | Qualifying Credit Score |  | XXX | Verified |
| 1425384 | XXXX | XXXX | Doc Type |  | Full | Verified |
| 1425384 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1425384 | XXXX | XXXX | Mtg Pymt | 13681.30 | 16932.74 | Verified |
| 1425384 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1425384 | XXXX | XXXX | QM Status |  | Non-QM | Verified |
| 1425384 | XXXX | XXXX | Qualifying DTI |  | 0.47129 |  |
| 1445962 | XXXX | XXXX | Qualifying Credit Score |  | XXX | Verified |
| 1445962 | XXXX | XXXX | Doc Type |  | Debt Service Coverage |  |
| 1445962 | XXXX | XXXX | Mtg Pymt | 1629.83 | 1949.61 | Verified |
| 1445962 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1445962 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1643392 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643393 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1643393 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1643393 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643393 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643394 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643394 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1642002 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1642002 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1640130 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1640130 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1640130 | XXXX | XXXX | Qualifying DTI | 0.49237 | 0.55127 | Verified |
| 1640130 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1643395 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1643395 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641028 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643582 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1643582 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1643582 | XXXX | XXXX | Property Type | ManufacturedHousing | PUD-Detached | Verified |
| 1643582 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643582 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1643396 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643396 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643583 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1643584 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643584 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion |  |
| 1643584 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643397 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1643397 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643398 | XXXX | XXXX | Qualifying DTI | 0.33357 | 0.25788 | Verified |
| 1643398 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643399 | XXXX | XXXX | Qualifying DTI | 0.43628 | 0.45619 | Verified |
| 1643399 | XXXX | XXXX | DSCR | 0.727 |  | Verified |
| 1643399 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643399 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1643400 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643401 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643401 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643402 | XXXX | XXXX | DSCR | 0.666 |  | Verified |
| 1643402 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643402 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1643403 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643403 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1643404 | XXXX | XXXX | DSCR | 0.686 |  | Verified |
| 1643404 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643404 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1643405 | XXXX | XXXX | DSCR | 0.666 |  | Verified |
| 1643405 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643405 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1643406 | XXXX | XXXX | DSCR | 0.660 |  | Verified |
| 1643406 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643406 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1643406 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1643407 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643409 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643410 | XXXX | XXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1643410 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643413 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643414 | XXXX | XXXX | Property Type | HighRiseCondominium | Condo Hotel | Verified |
| 1643414 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643415 | XXXX | XXXX | Qualifying DTI | 0.49007 | 0.48315 | Verified |
| 1643415 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1643415 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643415 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1643417 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1643417 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1643417 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1643418 | XXXX | XXXX | DSCR | 0.828 |  | Verified |
| 1643418 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643419 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643420 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643421 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643421 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1643422 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1643424 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643426 | XXXX | XXXX | Qualifying DTI | 0.39532 | 0.45215 | Verified |
| 1643426 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643427 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643428 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643429 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1643429 | XXXX | XXXX | Property Type | Attached | 5-10 Family | Verified |
| 1643429 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643429 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643430 | XXXX | XXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1643430 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643431 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643431 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643433 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643433 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1643435 | XXXX | XXXX | Property Type | Condominium | Condo Hotel | Verified |
| 1643436 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643437 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643437 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1643439 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643440 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1643440 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1643440 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643442 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643444 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643444 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643445 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643446 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1643448 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643448 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1643449 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643450 | XXXX | XXXX | DSCR | 0.770 |  | Verified |
| 1643451 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1643451 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1643451 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1643452 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643453 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643453 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643453 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643454 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643454 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643455 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1643455 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643456 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643456 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1643457 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643457 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1643457 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643458 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified |
| 1643459 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643460 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1643460 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643461 | XXXX | XXXX | DSCR | 0.739 |  | Verified |
| 1643461 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1643461 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643462 | XXXX | XXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1643462 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1643463 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1643463 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643464 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643465 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643466 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643466 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1643467 | XXXX | XXXX | DSCR | 1.045 | 1.220 | Verified |
| 1643467 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643467 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1643468 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1643469 | XXXX | XXXX | DSCR | 0.599 |  | Verified |
| 1643469 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1643469 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643470 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1643470 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1643470 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1643470 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643471 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643471 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643472 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643474 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643476 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643476 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643477 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643477 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643478 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643480 | XXXX | XXXX | Property Type | Condominium | Condo Hotel | Verified |
| 1643480 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1643480 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643480 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643481 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643481 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1643483 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643484 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643484 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643485 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643486 | XXXX | XXXX | Qualifying DTI | 0.49150 | 0.49155 | Verified |
| 1643486 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643486 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643487 | XXXX | XXXX | Qualifying DTI | 0.42503 | 0.38712 | Verified |
| 1643487 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643487 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643488 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643488 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643489 | XXXX | XXXX | Qualifying DTI | 0.48293 | 0.47557 | Verified |
| 1643490 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643490 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643699 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1643699 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1643699 | XXXX | XXXX | Property Type | Attached | 5-10 Family | Verified |
| 1643699 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643492 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1668586 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643493 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643494 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643495 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643496 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1643498 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1643498 | XXXX | XXXX | Qualifying DTI | 0.34101 | 0.39209 | Verified |
| 1643498 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1643498 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643498 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643499 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643500 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643501 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643502 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643504 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643505 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1643505 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1643505 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643505 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643506 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1643506 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643506 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643507 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643507 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643507 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643508 | XXXX | XXXX | DSCR | 1.614 | 1.210 | Verified |
| 1643508 | XXXX | XXXX | Property Type | Condominium | Condo Hotel | Verified |
| 1643508 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643508 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643510 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1643510 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643511 | XXXX | XXXX | Property Street Address | XXXX | XXXX |  |
| 1643511 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643511 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643512 | XXXX | XXXX | DSCR | 1.221 | 1.280 | Verified |
| 1643512 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643512 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643513 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643514 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643515 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1643515 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643516 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1643516 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643517 | XXXX | XXXX | Qualifying DTI | 0.41206 | 0.43013 | Verified |
| 1643517 | XXXX | XXXX | Property Type | Detached | PUD-Detached | Verified |
| 1643517 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643518 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643518 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643519 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643519 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643519 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1643520 | XXXX | XXXX | Property Type | PUD | Townhouse | Verified |
| 1643520 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1643520 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1643521 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643522 | XXXX | XXXX | Qualifying DTI | 0.45148 | 0.45465 | Verified |
| 1643522 | XXXX | XXXX | DSCR | 0.930 |  | Verified |
| 1643522 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643522 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1643522 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643524 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643524 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643524 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643525 | XXXX | XXXX | QM Status | Non-QM | Exempt |  |
| 1643525 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643525 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643528 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643529 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643529 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643530 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643530 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643532 | XXXX | XXXX | DSCR | 0.916 |  | Verified |
| 1643532 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643533 | XXXX | XXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1643533 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643533 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643533 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643534 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643535 | XXXX | XXXX | Property Type | Condominium | Condo Hotel | Verified |
| 1643535 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1643535 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643536 | XXXX | XXXX | DSCR | 0.644 |  | Verified |
| 1643536 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1643538 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1643539 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1643539 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643540 | XXXX | XXXX | DSCR | 0.681 |  | Verified |
| 1643541 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643542 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643543 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1643545 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643546 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643546 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643546 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643546 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1643547 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1643547 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1643547 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1643547 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643547 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643548 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1643548 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1643548 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643548 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643548 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643549 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643550 | XXXX | XXXX | DSCR | 0.522 |  | Verified |
| 1643550 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1643551 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1643551 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1643551 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643551 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643551 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643552 | XXXX | XXXX | Property Type | PUD | Townhouse | Verified |
| 1668589 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1668589 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1668589 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1643703 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1643703 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643553 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643554 | XXXX | XXXX | DSCR | 0.715 |  | Verified |
| 1643554 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1643554 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643555 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1643555 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1643556 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1643556 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643556 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643556 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643557 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643557 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643558 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643558 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643559 | XXXX | XXXX | DSCR | 1.180 |  | Verified |
| 1643559 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1643559 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643560 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1643560 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1668599 | XXXX | XXXX | QM Status | Exempt | Non-QM |  |
| 1668599 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643561 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643562 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643562 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1643562 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643562 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1668604 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643563 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1643563 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643564 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1668608 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1668608 | XXXX | XXXX | Qualifying DTI | 0.35506 | 0.39836 | Verified |
| 1668608 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1668608 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1668608 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643705 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643705 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643566 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643566 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643566 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643567 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643567 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643568 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1643706 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643706 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643707 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1643569 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643708 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643708 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643570 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643709 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643709 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643571 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1643571 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1643571 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1643571 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1668614 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified |
| 1668614 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1668614 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1668614 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1668615 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1643710 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643710 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643572 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1643711 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1668616 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1668616 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1668618 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1643713 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643713 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643574 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643574 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1668619 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1668620 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1668620 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1668620 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643575 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1643575 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1643575 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643576 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643576 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643576 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643714 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643715 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1668623 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643716 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643577 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643578 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643579 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643579 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643579 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643580 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1643580 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1643580 | XXXX | XXXX | Property Type | Attached | Mixed Use | Verified |
| 1643580 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643580 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1643580 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643718 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643718 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643719 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1643719 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1643719 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643719 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1668627 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1668627 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1668627 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1668629 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1668629 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1668629 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1643581 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1643721 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified |
| 1643721 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1643721 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1668637 | XXXX | XXXX | Maturity Date | XXXX |  | Verified |
| 1668637 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1668637 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1668637 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1668638 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1668638 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1643723 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1668642 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1668642 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1668643 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |

---

## Exhibit 99.30

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.30**

**QM ATR Data**

**Run Date - 07/14/2025 11:18:05 AM**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1425384 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $36995.00 | 06/02/2022 | 8.614% | Employed |  | US Citizen |  |  |  | Yes | $19826.46 |
| 1445962 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643392 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5195.00 | 04/24/2025 | 7.354% | Self-Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $10176.43 |
| 1643393 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired | Retired | US Citizen |  | US Citizen |  | No |  |
| 1432760 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6644.28 | 08/08/2022 | 8.99% | Self-Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $2485.30 |
| 1643394 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11344.78 | 03/10/2025 | 9.003% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | Yes | $4260.91 |
| 1642002 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $6485.54 | 03/14/2025 | 7.448% | Retired |  | US Citizen |  |  |  | No |  |
| 1640130 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $46295.00 | 04/11/2025 | 7.847% | Employed |  | US Citizen |  |  |  | Yes | $23203.97 |
| 1643395 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | Yes | No | $0.00 | 04/25/2025 | 7.758% | Employed |  | US Citizen |  |  |  | Yes | $5970.28 |
| 1641028 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/17/2025 | 7.81% | Self-Employed |  | US Citizen |  |  |  | Yes | $9403.25 |
| 1643582 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10146.86 | 04/04/2025 | 8.326% | Self-Employed |  | US Citizen |  |  |  | Yes | $6514.28 |
| 1643396 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/19/2025 | 9.518% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | Yes | $4685.92 |
| 1643583 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/07/2025 | 8.084% | Employed |  | US Citizen |  |  |  | Yes | $3256.50 |
| 1643584 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/03/2025 | 8.133% | Retired | Retired | US Citizen |  | US Citizen |  | No |  |
| 1643397 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/28/2025 | 9.496% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | Yes | $4681.61 |
| 1643398 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 06/03/2025 | 7.617% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $8166.98 |
| 1643399 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $12365.61 |
| 1643400 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11425.16 | 05/08/2025 | 7.564% | Retired | Employed | US Citizen |  | US Citizen |  | Yes | $4175.40 |
| 1643401 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1643402 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $73099.68 |
| 1643403 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired |  | US Citizen |  |  |  | No |  |
| 1643404 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $73069.62 |
| 1643405 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $73069.62 |
| 1643406 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $73069.62 |
| 1643407 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 04/02/2025 | 7.933% | Self-Employed |  | US Citizen |  |  |  | Yes | $24519.84 |
| 1643408 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 03/28/2025 | 7.827% | Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $14117.30 |
| 1643409 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6930.18 | 05/05/2025 | 9.627% | Employed | Retired | US Citizen |  | US Citizen |  | Yes | $2281.76 |
| 1643410 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7590.38 | 04/24/2025 | 9.471% | Self-Employed |  | US Citizen |  |  |  | Yes | $9792.81 |
| 1643411 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 04/02/2025 | 8.694% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $30792.81 |
| 1643412 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 05/13/2025 | 7.867% | Employed |  | US Citizen |  |  |  | Yes | $4049.92 |
| 1643413 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/24/2025 | 7.911% | Self-Employed |  | US Citizen |  |  |  | Yes | $7896.57 |
| 1643414 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1643415 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/30/2025 | 7.902% | Not Required | Self-Employed | US Citizen |  | US Citizen |  | Yes | $14116.81 |
| 1643416 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No |  | 04/24/2025 | 8.686% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $3797.17 |
| 1643417 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/29/2025 | 8.517% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $36806.48 |
| 1643418 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Retired | US Citizen |  | US Citizen |  | No |  |
| 1643419 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $10101.98 | 04/28/2025 | 7.792% | Retired |  | US Citizen |  |  |  | Yes | $4273.42 |
| 1643420 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $8835.79 | 04/28/2025 | 8.034% | Retired |  | US Citizen |  |  |  | Yes | $4503.75 |
| 1643421 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 05/01/2025 | 7.779% | Self-Employed |  | US Citizen |  |  |  | Yes | $8566.87 |
| 1643422 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8095.00 | 04/24/2025 | 7.665% | Retired |  | US Citizen |  |  |  | Yes | $7581.93 |
| 1643423 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/25/2025 | 7.867% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $5406.70 |
| 1643424 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $20075.50 | 04/29/2025 | 7.823% | Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $9093.94 |
| 1643425 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 05/01/2025 | 9.113% | Employed |  | US Citizen |  |  |  | Yes | $56239.86 |
| 1643426 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $25300.41 | 05/01/2025 | 7.191% | Self-Employed |  | US Citizen |  |  |  | Yes | $10085.35 |
| 1643427 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 05/23/2025 | 7.882% | Self-Employed |  | US Citizen |  |  |  | Yes | $22288.52 |
| 1643428 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $23945.00 | 04/29/2025 | 9.243% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $10582.18 |
| 1643429 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired | Employed | US Citizen |  | US Citizen |  | No |  |
| 1643430 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $16250.84 | 05/02/2025 | 7.868% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $8510.97 |
| 1643431 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $6095.00 | 05/01/2025 | 8.298% | Retired | Employed | US Citizen |  | US Citizen |  | Yes | $11275.80 |
| 1643432 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/24/2025 | 7.737% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1643433 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | Other |  |  | No |  |
| 1643434 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 05/13/2025 | 7.35% | Retired |  | US Citizen |  |  |  | Yes | $2510.72 |
| 1643435 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/22/2025 | 8.487% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $9371.61 |
| 1643436 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11957.50 | 05/14/2025 | 7.603% | Self-Employed |  | US Citizen |  |  |  | Yes | $12582.53 |
| 1643437 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $7115.00 | 04/25/2025 | 7.934% | Retired |  | US Citizen |  |  |  | Yes | $27615.85 |
| 1643438 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $2777.43 | 04/30/2025 | 7.424% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $11736.08 |
| 1643439 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11052.80 | 04/29/2025 | 8.238% | Retired |  | US Citizen |  |  |  | Yes | $4503.29 |
| 1643440 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1643441 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $11098.80 | 04/21/2025 | 7.843% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $4259.85 |
| 1643442 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $6844.00 | 05/02/2025 | 7.506% | Retired |  | US Citizen |  |  |  | Yes | $2896.85 |
| 1643443 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $9246.78 | 05/06/2025 | 7.597% | Employed |  | US Citizen |  |  |  | Yes | $6712.06 |
| 1643444 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired |  | US Citizen |  |  |  | No |  |
| 1643445 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $4695.00 | 05/05/2025 | 7.41% | Retired |  | US Citizen |  |  |  | Yes | $4620.79 |
| 1643446 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/29/2025 | 7.774% | Self-Employed |  | US Citizen |  |  |  | Yes | $28702.11 |
| 1643447 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12893.00 | 04/21/2025 | 8.029% | Employed |  | US Citizen |  |  |  | Yes | $5818.60 |
| 1643448 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $12763.00 | 05/05/2025 | 7.573% | Not Required |  | US Citizen |  |  |  | Yes | $31784.13 |
| 1643449 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6987.90 | 05/06/2025 | 8.063% | Self-Employed |  | US Citizen |  |  |  | Yes | $4393.25 |
| 1643450 | XXXX | XXXX | Higher Priced QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 04/30/2025 | 8.875% | Employed |  | Foreign National |  |  |  | Yes | $6512.41 |
| 1643451 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $25603.19 | 06/06/2025 | 7.844% | Employed |  | US Citizen |  |  |  | Yes | $26861.27 |
| 1643452 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $15983.27 | 04/30/2025 | 7.903% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $9717.32 |
| 1643453 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643454 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643455 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1643456 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/26/2025 | 7.551% | Retired |  | US Citizen |  |  |  | Yes | $2731.67 |
| 1643457 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $7771.68 | 05/16/2025 | 7.82% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $16596.31 |
| 1643458 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $10327.03 | 04/28/2025 | 7.711% | Employed |  | US Citizen |  |  |  | Yes | $5112.76 |
| 1643459 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7783.90 | 04/30/2025 | 7.651% | Employed |  | US Citizen |  |  |  | Yes | $3623.26 |
| 1643460 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $10132.50 | 04/29/2025 | 7.269% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $8594.60 |
| 1643461 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| 1643462 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 04/24/2025 | 7.212% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $22396.61 |
| 1643463 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $8330.00 | 04/28/2025 | 8.323% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $4347.68 |
| 1643464 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/25/2025 | 7.904% | Employed |  | US Citizen |  |  |  | Yes | $6264.68 |
| 1643465 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $15503.44 | 04/25/2025 | 7.749% | Self-Employed |  | US Citizen |  |  |  | Yes | $9099.89 |
| 1643466 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8276.26 | 05/14/2025 | 7.784% | Retired |  | US Citizen |  |  |  | Yes | $11347.40 |
| 1643467 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643468 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 05/12/2025 | 7.721% | Self-Employed |  | US Citizen |  |  |  | Yes | $24312.02 |
| 1643469 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1643470 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1643471 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10670.00 | 05/14/2025 | 8.091% | Self-Employed |  | US Citizen |  |  |  | Yes | $60802.96 |
| 1643472 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $8735.79 | 05/16/2025 | 8.191% | Employed | Retired | US Citizen |  | US Citizen |  | Yes | $5642.83 |
| 1643473 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6896.80 | 05/16/2025 | 8.084% | Retired |  | US Citizen |  |  |  | Yes | $3140.61 |
| 1643474 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $13324.58 | 04/30/2025 | 7.45% | Employed |  | US Citizen |  |  |  | Yes | $6678.02 |
| 1643475 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 04/25/2025 | 7.688% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $14406.60 |
| 1643476 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9145.00 | 04/25/2025 | 7.879% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $15269.16 |
| 1643477 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1643478 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1643479 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $18345.00 | 05/13/2025 | 7.698% | Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1643480 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643481 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $11596.10 | 04/28/2025 | 8.264% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643482 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 05/07/2025 | 7.22% | Employed |  | US Citizen |  |  |  | Yes | $14563.13 |
| 1643483 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 05/02/2025 | 7.697% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $5883.94 |
| 1643484 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 05/07/2025 | 7.965% | Self-Employed | Self-Employed | US Citizen |  | Permanent Resident Alien |  | Yes | $4083.46 |
| 1643485 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $20716.26 | 06/02/2025 | 7.843% | Self-Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1643486 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $8270.73 | 05/15/2025 | 8.238% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $5944.59 |
| 1643487 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 05/16/2025 | 8.048% | Self-Employed |  | US Citizen |  |  |  | Yes | $6774.88 |
| 1643488 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643489 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $14165.00 | 04/29/2025 | 8.017% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $12033.80 |
| 1643490 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9575.84 | 04/30/2025 | 8.186% | Self-Employed |  | US Citizen |  |  |  | Yes | $17228.37 |
| 1643699 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1643491 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6435.00 | 05/05/2025 | 8.49% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $7332.75 |
| 1643492 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/24/2025 | 7.259% | Self-Employed |  | US Citizen |  |  |  | Yes | $3679.77 |
| 1668586 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12136.61 | 06/23/2025 | 7.952% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $5178.70 |
| 1643493 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $6595.55 | 05/13/2025 | 8.24% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $3041.16 |
| 1643494 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6215.48 | 04/29/2025 | 7.82% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $27203.78 |
| 1643585 | XXXX | XXXX | Higher Priced QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 05/02/2025 | 8.524% | Employed |  | US Citizen |  |  |  | Yes | $5437.62 |
| 1643495 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9297.96 | 05/14/2025 | 8.265% | Self-Employed |  | US Citizen |  |  |  | Yes | $3782.03 |
| 1643496 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 05/13/2025 | 7.929% | Employed |  | US Citizen |  |  |  | Yes | $5632.13 |
| 1643497 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 05/14/2025 | 8.08% | Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $10030.07 |
| 1643498 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 05/23/2025 | 8.131% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $7600.53 |
| 1643499 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 05/13/2025 | 7.649% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $13792.15 |
| 1643500 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $16519.08 | 05/09/2025 | 7.911% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $3259.65 |
| 1643501 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $14341.78 | 05/19/2025 | 7.666% | Self-Employed |  | US Citizen |  |  |  | Yes | $7632.87 |
| 1643502 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $7895.69 | 05/16/2025 | 7.764% | Retired | Retired | US Citizen |  | US Citizen |  | No |  |
| 1643503 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 05/19/2025 | 7.80% | Employed |  | US Citizen |  |  |  | Yes | $4026.37 |
| 1643504 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10588.40 | 05/01/2025 | 8.288% | Self-Employed |  | US Citizen |  |  |  | Yes | $7538.62 |
| 1643505 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $21662.10 | 05/13/2025 | 7.646% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $13157.06 |
| 1643506 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643507 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643508 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1643509 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $12016.50 | 05/05/2025 | 8.264% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $7544.78 |
| 1643510 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $9534.62 | 05/22/2025 | 7.869% | Not Required | Self-Employed | US Citizen |  | US Citizen |  | Yes | $11150.23 |
| 1643511 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 05/22/2025 | 8.828% | Employed |  | US Citizen |  |  |  | Yes | $9452.21 |
| 1643512 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643513 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 05/06/2025 | 7.856% | Self-Employed |  | US Citizen |  |  |  | Yes | $10735.28 |
| 1643514 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1643515 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 05/13/2025 | 7.45% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $26481.26 |
| 1643516 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $21530.00 | 05/14/2025 | 7.791% | Self-Employed |  | US Citizen |  |  |  | Yes | $5758.30 |
| 1643517 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $22087.18 | 05/12/2025 | 7.703% | Self-Employed |  | US Citizen |  |  |  | Yes | $33251.47 |
| 1643518 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643519 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10035.77 | 05/20/2025 | 7.728% | Self-Employed |  | US Citizen |  |  |  | Yes | $4756.26 |
| 1643520 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $10158.24 | 05/20/2025 | 7.624% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $5453.24 |
| 1643521 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9905.00 | 05/23/2025 | 7.945% | Self-Employed |  | US Citizen |  |  |  | Yes | $3200.69 |
| 1643522 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $11879.14 |
| 1643523 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $15795.00 | 05/16/2025 | 7.542% | Retired | Employed | US Citizen |  | US Citizen |  | Yes | $11737.36 |
| 1643524 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643525 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1643526 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $9790.85 | 05/19/2025 | 7.749% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $7617.39 |
| 1643527 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6095.00 | 06/09/2025 | 7.616% | Retired |  | US Citizen |  |  |  | Yes | $2530.05 |
| 1643528 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $24950.04 | 05/16/2025 | 7.636% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $15600.10 |
| 1643529 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643530 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1643531 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $21755.19 | 05/23/2025 | 7.668% | Employed |  | US Citizen |  |  |  | Yes | $9965.38 |
| 1643532 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired | Retired | US Citizen |  | US Citizen |  | No |  |
| 1643533 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643534 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $14127.69 | 05/19/2025 | 8.213% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $23018.19 |
| 1643535 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1643536 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $8907.32 |
| 1643701 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 06/16/2025 | 7.825% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $9142.23 |
| 1643537 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $6655.00 | 05/22/2025 | 7.542% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $8251.33 |
| 1643538 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 05/23/2025 | 7.669% | Retired |  | US Citizen |  |  |  | Yes | $3939.66 |
| 1643539 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11868.24 | 05/14/2025 | 9.539% | Self-Employed |  | US Citizen |  |  |  | Yes | $10012.07 |
| 1643540 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $11517.89 |
| 1643541 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6083.27 | 05/16/2025 | 7.812% | Employed |  | US Citizen |  |  |  | Yes | $2995.62 |
| 1643542 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1643543 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10372.04 | 05/16/2025 | 8.283% | Self-Employed |  | US Citizen |  |  |  | Yes | $10877.37 |
| 1643544 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $11499.00 | 05/30/2025 | 7.895% | Employed |  | US Citizen |  |  |  | Yes | $8943.78 |
| 1643545 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1643546 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643547 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $17876.39 | 05/23/2025 | 8.033% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $186220.78 |
| 1643548 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643549 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $15432.50 | 05/29/2025 | 8.169% | Employed |  | US Citizen |  |  |  | Yes | $6325.27 |
| 1643550 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1643551 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643702 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 06/11/2025 | 7.527% | Employed |  | US Citizen |  |  |  | Yes | $7623.79 |
| 1643552 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 05/29/2025 | 7.994% | Employed |  | US Citizen |  |  |  | Yes | $3842.72 |
| 1668589 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643703 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1643553 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $30911.52 | 05/27/2025 | 7.893% | Self-Employed |  | US Citizen |  |  |  | Yes | $16423.04 |
| 1643554 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | Permanent Resident Alien |  | Yes | $22777.22 |
| 1643555 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1643556 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643557 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 06/13/2025 | 8.08% | Self-Employed |  | US Citizen |  |  |  | Yes | $8331.08 |
| 1643558 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $33570.00 | 05/19/2025 | 7.326% | Self-Employed |  | US Citizen |  |  |  | Yes | $119033.62 |
| 1643704 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $6437.35 | 06/16/2025 | 7.63% | Employed |  | US Citizen |  |  |  | Yes | $4433.27 |
| 1643559 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1643560 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $21132.50 | 06/01/2025 | 7.612% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $13149.50 |
| 1668599 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $14997.63 | 06/16/2025 | 8.824% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $10974.77 |
| 1643561 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12511.08 | 06/02/2025 | 8.289% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $22518.72 |
| 1643562 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 05/29/2025 | 7.374% | Retired |  | US Citizen |  |  |  | Yes | $10561.14 |
| 1668604 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6746.82 | 06/23/2025 | 7.702% | Employed | Retired | US Citizen |  | US Citizen |  | Yes | $5779.83 |
| 1643563 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1643564 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 06/12/2025 | 7.642% | Employed |  | US Citizen |  |  |  | Yes | $7097.00 |
| 1668608 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $64430.00 | 06/17/2025 | 7.307% | Self-Employed |  | US Citizen |  |  |  | Yes | $35483.64 |
| 1643565 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $16156.56 | 06/09/2025 | 7.889% | Self-Employed |  | US Citizen |  |  |  | Yes | $13761.86 |
| 1643705 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 06/16/2025 | 8.103% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $3512.95 |
| 1643566 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643567 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1643568 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $16650.78 | 06/13/2025 | 8.115% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $11185.30 |
| 1643706 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643707 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $8424.98 | 06/17/2025 | 7.672% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $13678.15 |
| 1643569 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8195.00 | 05/30/2025 | 8.529% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $6852.12 |
| 1643708 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1643570 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $10278.26 | 06/10/2025 | 7.715% | Employed |  | US Citizen |  |  |  | Yes | $6621.89 |
| 1643709 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1643571 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1668614 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1668615 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8525.00 | 06/23/2025 | 8.164% | Retired |  | US Citizen |  |  |  | Yes | $3478.46 |
| 1643710 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9911.75 | 06/17/2025 | 8.141% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $25023.01 |
| 1643572 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $19202.92 | 06/12/2025 | 7.647% | Employed | Employed | Permanent Resident Alien |  | Permanent Resident Alien |  | Yes | $8609.97 |
| 1643711 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1643573 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $13734.33 | 06/13/2025 | 7.305% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $4589.40 |
| 1668616 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1668618 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $16239.34 | 06/18/2025 | 7.995% | Retired |  | US Citizen |  |  |  | Yes | $7849.91 |
| 1643713 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1643574 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $12548.05 | 06/03/2025 | 7.594% | Not Required | Not Required | Permanent Resident Alien |  | US Citizen |  | Yes | $13355.14 |
| 1668619 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $16450.26 | 06/12/2025 | 8.318% | Self-Employed |  | US Citizen |  |  |  | Yes | $7356.37 |
| 1668620 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643575 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1643576 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1643714 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8649.53 | 06/13/2025 | 7.771% | Self-Employed |  | US Citizen |  |  |  | Yes | $5646.93 |
| 1643715 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 06/13/2025 | 7.948% | Retired |  | US Citizen |  |  |  | Yes | $3161.16 |
| 1668623 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6180.20 | 06/20/2025 | 8.427% | Retired |  | US Citizen |  |  |  | Yes | $2242.01 |
| 1643716 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643577 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1643578 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1643579 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1643580 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | Permanent Resident Alien |  | Permanent Resident Alien |  | No |  |
| 1643718 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $19770.33 | 06/11/2025 | 8.813% | Self-Employed |  | US Citizen |  |  |  | Yes | $6503.68 |
| 1668626 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12723.43 | 06/25/2025 | 7.856% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $7582.10 |
| 1643719 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 06/16/2025 | 8.361% | Retired |  | US Citizen |  |  |  | Yes | $17340.69 |
| 1668627 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $14403.85 | 06/17/2025 | 8.116% | Not Required | Not Required | US Citizen |  | US Citizen |  | Yes | $23393.37 |
| 1668629 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1643720 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 06/17/2025 | 8.462% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $10965.06 |
| 1643581 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5735.00 | 06/13/2025 | 8.086% | Self-Employed |  | US Citizen |  |  |  | Yes | $2145.95 |
| 1643721 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 06/12/2025 | 7.926% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $4744.97 |
| 1668637 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1668638 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5095.00 | 06/17/2025 | 7.909% | Retired |  | US Citizen |  |  |  | No |  |
| 1643723 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $19150.00 | 06/18/2025 | 7.453% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $14011.33 |
| 1668642 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1668643 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $14047.82 | 06/20/2025 | 7.68% | Self-Employed |  | US Citizen |  |  |  | Yes | $12499.97 |

---

## Exhibit 99.31

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.31**

**Business Purpose Data**

**Run Date - 07/14/2025 11:18:05 AM**

---

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| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **STR Source** | **STR Amount** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Personal Guaranty Recourse Level** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Borrower Entity Type** | **Name of Borrowing Entity** | **Default Rate Clause** | **EIN Number** |
| 1445962 | XXXX | XXXX |  | XXXX | XXXX | DSCR | 20220801 | Debt Service Coverage | Yes | No | $0.00 | $1950.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1950 | 1 | 1 | $1949.61 |  |  |  | Yes | $19775.20 |  | NO | $0.00 | $219.36 | $100.42 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 118 | 20 | US Citizen |  | 765 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643393 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed 40yr 10YR IO | 20250501 | Debt Service Coverage | Yes | No | $0.00 | $6000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 6000 | 1.12 | 1.12 | $5334.68 |  |  |  | Yes | $60000.00 |  | NO | $0.00 | $1395.84 | $658.50 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 269 | 1 | US Citizen | US Citizen | 804 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 804 | 805 | 799 | XXXX | XXXX |  | US Citizen | Stated, Verified | 799 | 797 | 796 | Retired | Retired | XXXX | XXXX | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643399 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed Asset Qualifier | 20250301 | Asset Utilization | Yes | Yes | $4500.00 | $5000.00 | FNMA 1007/216 |  | No |  | 0 | 45.619 |  | 0 |  |  | $6873.76 | 20261014 | 12 | No | No |  |  | NO | $0.00 | $919.12 | $85.08 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 112 | 14 | US Citizen | US Citizen | 771 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 784 | 768 | 757 | XXXX | XXXX |  | US Citizen | Stated, Verified | 780 | 771 | 747 | Retired | Retired | XXXX |  | $XXXX | 1 | XXXX | XXXX | 4 | 3 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643401 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250104 | Debt Service Coverage | Yes | Yes | $2975.00 | $2700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2700 | 1.1 | 1.1 | $2458.57 | 20260114 | 12 |  | Yes | $28500.00 |  | NO | $0.00 | $325.04 | $152.50 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 107 | 5 | US Citizen |  | 788 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643402 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Qualified Exp AA: 30 - Year Fixed Asset Qualifier | 20250301 | Asset Utilization | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 |  | No |  | 0 | 18.406 |  | 0 | 0 | 0 | $3002.73 |  |  |  | Yes | $12000.00 |  | YES | $260.00 | $495.26 | $270.17 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 2 | 40 | US Citizen |  | 770 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 770 | 765 | 778 |  |  |  |  |  |  |  |  | Retired |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643403 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Qualified Exp AA: 30 - Year Fixed Asset Qualifier | 20250301 | Asset Utilization | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 |  | No |  | 0 | 18.412 |  | 0 |  |  | $3002.00 |  |  |  | Yes | $12000.00 |  | YES | $260.00 | $494.53 | $270.17 | Stated, Verified | NO | 5 | 6 |  | No | No | Experienced | 2 | 40 | US Citizen |  | 770 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 770 | 765 | 778 |  |  |  |  |  |  |  |  | Retired |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643404 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Qualified with Asset Qualifer: 30 - Year Fixed | 20250301 | Asset Utilization | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 |  | No |  | 0 | 18.412 |  | 0 |  |  | $2916.47 |  |  |  | Yes | $12000.00 |  | YES | $260.00 | $409.00 | $270.17 | Stated, Verified | NO | 5 | 6 |  | No | No | Experienced | 2 | 40 | US Citizen |  | 770 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 770 | 765 | 778 |  |  |  |  |  |  |  |  | Retired |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643405 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Qualified Exp AA: 30 - Year Fixed Asset Qualifier | 20250301 | Asset Utilization | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 |  | No |  | 0 | 18.412 |  | 0 |  |  | $3003.64 |  |  |  | Yes | $12000.00 |  | YES | $260.00 | $496.17 | $270.17 | Stated, Verified | NO | 5 | 6 |  | No | No | Experienced | 2 | 40 | US Citizen |  | 770 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 770 | 765 | 778 |  |  |  |  |  |  |  |  | Retired |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643406 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Qualified Exp AA: 30 - Year Fixed Asset Qualifier | 20250301 | Asset Utilization | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 |  | No |  | 0 | 18.412 |  | 0 |  |  | $3029.73 |  |  |  | Yes | $12000.00 |  | YES | $260.00 | $522.26 | $270.17 | Stated, Verified | NO | 5 | 6 |  | No | No | Experienced | 2 | 40 | US Citizen |  | 770 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 770 | 765 | 778 |  |  |  |  |  |  |  |  | Retired |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643414 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2500 | 1.12 | 1.12 | $2231.62 |  |  |  | Yes | $15000.00 |  | YES | $681.00 | $155.68 | $44.50 | Stated, Verified | NO | 1 | 10 |  | No | No | Experienced | 196 | 8 | US Citizen |  | 758 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No | Full |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 0 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643418 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Expanded Approval AA Bank Stmt Fixed Investment | 20250501 | Bank Statement | Yes | No | $0.00 | $7600.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | 1007/216 | 5700 | 44.052 |  | 0 |  |  | $7265.00 |  |  |  | Yes | $41000.00 |  | YES | $1618.00 | $755.24 | $209.72 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 9 | 1 | US Citizen | US Citizen | 716 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Retired | XXXX | 20250319 | $XXXX | 1 | XXXX | XXXX | 3 | 3 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643429 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250501 | Debt Service Coverage | Yes | Yes | $7024.00 | $7213.58 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 6650.58 | 1.38 | 1.38 | $4806.13 | 20250731 | 12 | No | Yes | $57674.00 |  | NO | $0.00 | $1131.76 | $856.42 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 98 | 3 | US Citizen | US Citizen | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Retired | Employed | XXXX |  | $XXXX | 8 | XXXX | XXXX | 16 | 8 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643433 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1900 | 0.84 | 0.84 | $2262.80 |  |  |  | Yes | $65700.00 |  | YES | $79.17 | $748.00 | $120.33 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 78 | 1 | Non Permanent Resident Alien |  | 757 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | Non Permanent Resident Alien | Stated, Verified | 751 | 757 | 757 |  |  |  |  |  |  |  |  | Employed |  | XXXX | 20250304 | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643440 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term | 20250501 | Debt Service Coverage | Yes | Yes | $2300.00 | $2600.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2300 | 1.03 | 1.03 | $2224.43 | 20260331 | 12 |  | Yes | $50900.00 |  | NO | $0.00 | $80.95 | $292.34 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 111.12 | 4 | US Citizen |  | 771 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 6 | 4 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643444 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250501 | Debt Service Coverage | Yes | Yes | $2195.00 | $2200.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2195 | 1.02 | 1.02 | $2141.86 | 20260331 | 12 | No | Yes | $30720.00 |  | YES | $35.00 | $462.83 | $186.17 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 50 | 6 | US Citizen |  | 737 | 0 | 0 |  |  | 0 | 0 | 0 | 1 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Retired |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643453 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250507 | Debt Service Coverage | Yes | Yes | $2150.00 | $2125.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2125 | 1.03 | 1.03 | $2072.21 | 20250731 | 12 |  | Yes | $23000.00 |  | NO | $0.00 | $390.16 | $133.17 | Stated, Verified | NO | 1 | 13 |  | No | No | Experienced | 103 | 1 | US Citizen |  | 736 | 0 | 0 |  |  | 0 | 0 | 0 | 1 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No | Full |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 4 | 2.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643454 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250501 | Debt Service Coverage | Yes | Yes | $6850.00 | $8000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 6850 | 1.13 | 1.13 | $6043.41 | 20251205 | 12 | No | Yes | $34200.00 |  | NO | $0.00 | $748.19 | $92.59 | Stated, Verified | NO | 1 | 23 |  | No | No | Experienced | 14 | 35 | US Citizen |  | 774 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 797 | 774 | 764 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 4 | 3 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643455 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250501 | Debt Service Coverage | Yes | Yes | $10995.00 | $12000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 10995 | 1.09 | 1.09 | $10087.02 | 20250731 | 12 |  | Yes | $75000.00 |  | NO | $0.00 | $614.05 | $183.18 | Stated, Verified | NO | 1 | 23 |  | No | No | Experienced | 85 | 35 | US Citizen |  | 774 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 797 | 774 | 764 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643461 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250501 | Bank Statement | Yes | Yes | $3850.00 | $3850.00 | FNMA 1007/216 | Leases | No |  | 0 | 37.147 |  | 0 |  |  | $5209.92 | 20260901 | 24 | No | Yes | $0.00 | Yes | NO | $0.00 | $781.33 | $172.34 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 45 | 0 | Permanent Resident Alien |  | 771 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 4 | 3.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643467 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250513 | Debt Service Coverage | Yes | No | $0.00 | $4900.00 | FNMA 1007/216 | FNMA 1007/216 | No | Other | 4944 |  |  | 4944.39 | 1.22 | 1.22 | $4717.11 |  |  |  | Yes | $8000.00 |  | YES | $659.00 | $772.18 | $79.70 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 105 | 30 | US Citizen |  | 800 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 800 | 803 | 787 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643469 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250501 | Asset Utilization | Yes | No | $0.00 | $3650.00 | FNMA 1007/216 | Other | No |  | 0 | 32.475 |  | 0 |  |  | $4908.05 |  |  |  | Yes | $36000.00 |  | NO | $0.00 | $755.21 | $293.83 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 464 | 32 | US Citizen |  | 783 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| 1643470 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | Yes | $10725.00 | $12000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 9608.33 | 1.21 | 1.21 | $7966.73 | 20260331 | 12 | No | Yes | $160000.00 |  | NO | $0.00 | $1279.55 | $1129.00 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 11 | 0.6 | US Citizen |  | 794 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 652 | 794 | 797 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | 20250305 | $XXXX | 8 | XXXX | XXXX | 16 | 16 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643477 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250501 | Debt Service Coverage | Yes | Yes | $7736.00 | $8400.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 7736 | 1.2 | 1.2 | $6435.28 | 20250731 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $1104.30 | $347.17 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 44 | 4 | US Citizen |  | 720 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 717 | 720 | 734 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | $XXXX | 3 | XXXX | XXXX | 9 | 3 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643478 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250501 | Debt Service Coverage | Yes | Yes | $8300.00 | $8400.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 8200 | 1.24 | 1.24 | $6603.95 | 20250930 | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $863.84 | $391.00 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 52 | 4 | US Citizen |  | 720 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 717 | 720 | 734 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | $XXXX | 3 | XXXX | XXXX | 12 | 3 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643480 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250506 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Other | No | Other | 6218 |  |  | 6218.25 | 1.17 | 1.17 | $5302.71 |  |  |  | Yes | $28000.00 |  | YES | $792.00 | $979.60 | $154.34 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 154 | 5 | US Citizen |  | 775 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 743 | 775 | 780 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | 20250407 | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C2 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643488 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250501 | Debt Service Coverage | Yes | Yes | $1650.00 | $1660.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1650 | 1.33 | 1.33 | $1244.39 | 20250601 | 1 | Yes | Yes | $22500.00 |  | NO | $0.00 | $103.36 | $107.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 6.87 | 16 | US Citizen |  | 671 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 671 | 675 | 650 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 2 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643699 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR | 20250601 | Debt Service Coverage | Yes | Yes | $9160.00 | $14225.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 9994.17 | 1.21 | 1.21 | $8227.23 | 20250131 | 12 | Yes | Yes | $137311.20 |  | NO | $0.00 | $437.84 | $591.86 | Stated, Verified | NO | 1 | 8 |  | No | No | Experienced | 105 | 14 | US Citizen | US Citizen | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | 20250318 | $XXXX | 6 | XXXX | XXXX | 12 | 6 | C2 | $XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| 1643506 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250501 | Debt Service Coverage | Yes | Yes | $11345.00 | $10550.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 10550 | 2.05 | 2.05 | $5146.99 | 20250501 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $1477.41 | $668.00 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 31 | 9 | US Citizen |  | 786 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 786 | 790 | 782 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 6 | XXXX | XXXX | 14 | 6 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643507 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250501 | Debt Service Coverage | Yes | Yes | $3600.00 | $3200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3200 | 1.03 | 1.03 | $3103.13 | 20270515 | 24 | No | Yes | $19000.00 |  | NO | $0.00 | $207.40 | $218.67 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 30 | 13 | US Citizen |  | 797 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 801 | 792 | 797 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643508 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250501 | Debt Service Coverage | Yes | No | $0.00 | $3062.49 |  | FNMA 1007/216 | No | 1007/216 | 3062 |  |  | 3062.49 | 1.21 | 1.21 | $2529.32 |  |  |  | Yes | $16000.00 |  | YES | $951.00 | $215.65 | $139.04 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 48 | 1 | US Citizen |  | 714 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | 20250411 | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643512 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250501 | Debt Service Coverage | Yes | No | $0.00 | $15000.00 |  | Short Term Rental Documents | Yes | Other | 11250 |  |  | 11250 | 1.28 | 1.28 | $9212.25 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $760.50 | $418.56 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 6 | 6 | US Citizen |  | 779 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 805 | 779 | 761 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 5 | 4 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643514 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250501 | Full | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 17.696 |  | 0 | 0 | 0 | $3326.45 |  |  |  | Yes | $33600.00 |  | YES | $18.75 | $300.74 | $153.09 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 484 | 26 | US Citizen | US Citizen | 785 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 806 | 801 | 804 | XXXX | XXXX |  | US Citizen | Stated, Verified | 780 | 785 | 793 | Employed | Employed | XXXX | 20250416 | $XXXX | 2 | XXXX | XXXX | 4 | 2.2 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643518 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250601 | Debt Service Coverage | Yes | No | $0.00 | $1500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1500 | 1.06 | 1.06 | $1420.05 |  |  |  | Yes | $9200.00 |  | YES | $390.00 | $178.39 | $81.75 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 52 | 5 | US Citizen |  | 794 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | 20250325 | $XXXX | 1 | XXXX | XXXX | 2 | 1.1 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643522 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250501 | Asset Utilization | Yes | No | $0.00 | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 45.465 |  | 0 |  |  | $2580.96 |  |  |  | Yes | $13280.00 |  | YES | $408.33 | $268.80 | $108.84 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 716 | 10 | US Citizen | US Citizen | 756 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Retired | Retired | XXXX |  | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643524 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250501 | Debt Service Coverage | Yes | No | $0.00 | $7900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 7900 | 1.03 | 1.03 | $7704.18 |  |  |  | Yes | $128600.00 |  | NO | $0.00 | $1104.04 | $313.67 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 65 | 6 | US Citizen |  | 744 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 744 | 733 | 781 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | 20250402 | $XXXX | 1 | XXXX | XXXX | 5 | 2.1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643525 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250501 | Debt Service Coverage | Yes | Yes | $1600.00 | $1700.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1600 | 1.08 | 1.08 | $1481.61 | 20260331 | 12 |  | Yes | $19200.00 |  | NO | $0.00 | $266.17 | $147.81 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 17.99 | 2 | US Citizen |  | 786 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 787 | 760 | 786 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643529 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250501 | Debt Service Coverage | Yes | No | $0.00 | $1350.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1350 | 0.75 | 0.75 | $1797.96 |  |  |  | Yes | $12500.00 |  | YES | $534.00 | $232.57 | $95.84 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 24 | 11 | US Citizen |  | 742 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No | Full |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | 20250408 | $XXXX | 1 | XXXX | XXXX | 1 | 1.1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643530 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250501 | Debt Service Coverage | Yes | Yes | $3600.00 | $3750.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3750 | 1.22 | 1.22 | $3067.33 | 20260210 | 12 | No | Yes | $67502.00 |  | YES | $81.67 | $893.87 | $444.36 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 109 | 6 | US Citizen |  | 733 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 5 | 3.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643532 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed w/Bridge | 20250601 | Full | Yes | No | $0.00 | $2850.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 30.703 |  | 0 |  |  | $3111.05 |  |  |  | Yes | $17500.00 |  | YES | $943.00 | $187.07 | $121.25 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 6 | 8 | US Citizen | US Citizen | 783 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 783 | 775 | 787 | XXXX | XXXX |  | US Citizen | Stated, Verified | 805 | 794 | 798 | Retired | Retired | XXXX | 20250405 | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643533 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 |  |  | Short Term Rental Documents | Yes | AirDNA | 3737 |  |  | 3737 | 1.37 | 1.37 | $2727.05 |  |  |  | Yes | $41470.00 |  | NO | $0.00 | $438.04 | $204.38 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 13 | 10 | US Citizen |  | 733 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No | Full |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | 20250417 | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643535 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250501 | Debt Service Coverage | Yes | No | $0.00 | $2750.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirDNA | 3169 |  |  | 3168.75 | 0.88 | 0.88 | $3610.85 |  |  |  | Yes | $16800.00 |  | YES | $703.00 | $220.62 | $43.67 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 49.27 | 12 | US Citizen |  | 763 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 1 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643536 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250601 | Bank Statement | Yes | No | $0.00 | $1200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 27.16 |  | 0 |  |  | $1864.31 |  |  |  | Yes | $18000.00 |  | NO | $0.00 | $108.69 | $246.33 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 8 | 2 | US Citizen |  | 805 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | 20250420 | $XXXX | 1 | XXXX | XXXX | 0 | 1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| 1643540 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250501 | Full | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 46.948 |  | 0 |  |  | $3673.51 |  |  |  | No |  |  | YES | $991.00 | $401.00 | $221.26 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 17 | 1 | US Citizen | US Citizen | 749 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | 20250426 | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643542 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250501 | Debt Service Coverage | Yes | No | $0.00 | $29750.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | Other | 29750 |  |  | 22312.5 | 1.68 | 1.68 | $13281.49 |  |  |  | Yes | $84015.00 |  | YES | $2745.00 | $981.95 | $100.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 15 | 10 | US Citizen |  | 782 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | 20250421 | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643545 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250501 | Debt Service Coverage | Yes | No | $0.00 | $2300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2300 | 0.8 | 0.8 | $2880.89 |  |  |  | Yes | $45000.00 |  | YES | $374.00 | $382.53 | $70.77 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 57 | 18 | US Citizen | US Citizen | 820 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | 20250406 | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643546 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250501 | Debt Service Coverage | Yes | Yes | $4800.00 | $4800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4800 | 1.86 | 1.86 | $2579.23 | 20260331 | 12 |  | Yes | $23380.00 |  | NO | $0.00 | $247.58 | $236.16 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 114 | 5 | US Citizen |  | 788 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 788 | 780 | 799 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 6 | 5 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643548 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 20-Year Fixed | 20250501 | Debt Service Coverage | Yes | No | $0.00 | $3300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3300 | 1 | 1 | $3299.00 |  |  |  | Yes | $10000.00 |  | YES | $579.34 | $824.87 | $63.07 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 197 | 5 | US Citizen |  | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 803 | 753 | 768 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | 20250331 | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643550 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250501 | Asset Utilization | Yes | No | $0.00 | $16000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 34.339 |  | 0 |  |  | $30651.12 |  |  |  | Yes | $180000.00 |  | NO | $0.00 | $5298.87 | $2814.25 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 179 | 0.6 | US Citizen |  | 694 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 714 | 694 | 672 |  |  |  |  |  |  |  |  | Employed |  | XXXX | 20250426 | $XXXX | 1 | XXXX | XXXX | 5 | 4 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643551 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250601 | Debt Service Coverage | Yes | Yes | $10500.00 | $10400.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 9428.75 | 1.29 | 1.29 | $7315.22 | 20251001 | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $653.35 | $497.59 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 12 | 4.6 | US Citizen |  | 748 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 757 | 748 | 747 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 5 | XXXX | XXXX | 10 | 5 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1668589 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250601 | Debt Service Coverage | Yes | No | $0.00 | $3350.00 |  | FNMA 1007/216 | No |  | 0 |  |  | 3350 | 1.33 | 1.33 | $2518.09 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $368.81 | $109.57 | Not Stated, not Verified | NO | 1 | 5 |  | No | No | Experienced | 12 | 4 | US Citizen |  | 762 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | $XXXX | 2 | XXXX | XXXX | 6 | 4 | C1 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643703 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250601 | Debt Service Coverage | Yes | Yes | $2550.00 | $7100.00 | Other | Other | No |  | 0 |  |  | 6550 | 1.15 | 1.15 | $5674.13 | 20260131 | 27 | No | Yes | $80000.00 |  | NO | $0.00 | $789.42 | $324.02 | Stated, Verified | NO | 1 | 8 |  | No | No | Experienced | 33 | 6 | US Citizen | US Citizen | 795 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | 20250410 | $XXXX | 5 | XXXX | XXXX | 10 | 5 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643554 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250601 | Bank Statement | Yes | No | $0.00 | $0.00 |  |  | No |  | 0 | 10.03 |  | 0 |  |  | $2516.10 |  |  |  | Yes | $34600.00 |  | YES | $10.00 | $225.94 | $118.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 8 | 0.7 | US Citizen | Permanent Resident Alien | 727 | 0 | 0 |  |  | 1 | 0 | 0 | 1 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XX | Co-Borrower | Co-Borrower | XXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | 20250429 | $XXXX | 1 | XXXX | XXXX | 4 | 3 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643555 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250501 | Bank Statement | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 15.881 |  | 0 |  |  | $3154.87 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $251.82 | $123.08 | Stated, Verified | NO | 6 | 7 |  | No | No | Experienced | 11 | 6 | US Citizen | US Citizen | 773 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Not Required | XXXX |  | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643556 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250601 | Debt Service Coverage | Yes | Yes | $7008.00 | $7830.00 |  | Leases | No |  | 0 |  |  | 6161.83 | 1.2 | 1.2 | $5149.60 | 20251231 | 12 |  | Yes | $279400.00 |  | NO | $0.00 | $1307.18 | $538.83 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 84 | 3 | US Citizen |  | 700 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 651 | 720 | 700 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | 20250402 | $XXXX | 6 | XXXX | XXXX | 14 | 6 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643559 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250601 | Bank Statement | Yes | No | $0.00 | $3400.00 |  | Short Term Rental Documents | Yes | AirDNA | 9548 | 28.788 |  | 0 |  |  | $8091.59 |  |  |  | Yes | $210000.00 |  | NO | $0.00 | $706.23 | $685.72 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 20 | 6.2 | US Citizen | US Citizen | 752 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643563 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250601 | Debt Service Coverage | Yes | No | $0.00 | $1425.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1300 | 0.88 | 0.88 | $1478.11 |  |  |  | Yes | $25141.00 |  | NO | $0.00 | $156.48 | $155.72 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 20 | 2 | US Citizen |  | 751 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643566 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250501 | Debt Service Coverage | Yes | Yes | $2750.00 | $2700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2700 | 0.78 | 0.78 | $3461.12 | 20251231 | 12 |  | Yes | $10000.00 |  | NO | $0.00 | $268.42 | $220.67 | Stated, Verified | NO | 2 | 4 |  | No | No | Experienced | 17 | 12 | US Citizen |  | 750 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 732 | 750 | 764 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643567 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250501 | Debt Service Coverage | Yes | No | $0.00 | $2450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2450 | 1.02 | 1.02 | $2408.17 |  |  |  | Yes | $62000.00 |  | YES | $35.42 | $787.52 | $66.83 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 20 | 3 | US Citizen |  | 778 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | 20250324 | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643706 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250601 | Debt Service Coverage | Yes | Yes | $3500.00 | $3000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3500 | 1.09 | 1.09 | $3224.67 | 20270530 | 24 |  | Yes | $38696.04 |  | NO | $0.00 | $373.48 | $48.33 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 35 | 3 | US Citizen |  | 785 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXX |  | US Citizen | Stated, Verified | 785 | 791 | 729 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643708 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250501 | Debt Service Coverage | Yes | No | $0.00 | $6900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 6900 | 2.38 | 2.38 | $2897.83 |  |  |  | Yes | $42360.00 |  | NO | $0.00 | $273.81 | $230.83 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 179 | 2 | US Citizen |  | 793 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | 20250505 | $XXXX | 1 | XXXX | XXXX | 3 | 1.1 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643709 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250501 | Debt Service Coverage | Yes | No | $0.00 | $3600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3450 | 1.12 | 1.12 | $3086.66 |  |  |  | Yes | $57020.00 |  | NO | $0.00 | $729.71 | $247.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 180 | 5 | US Citizen | US Citizen | 703 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 698 | 678 | 685 | XXXX | XXXX |  | US Citizen | Stated, Verified | 711 | 703 | 687 | Not Required | Not Required | XXXX | 20250309 | $XXXX | 3 | XXXX | XXXX | 3 | 3 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1643571 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 20-Year Fixed | 20250601 | Debt Service Coverage | Yes | No | $0.00 | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2400 | 0.9 | 0.9 | $2662.25 |  |  |  | Yes | $44000.00 |  | NO | $0.00 | $498.58 | $152.99 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 145 | 10 | US Citizen |  | 696 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C1 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1668614 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250601 | Debt Service Coverage | Yes | Yes | $1638.00 | $1700.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1638 | 1.16 | 1.16 | $1416.74 | 20241224 | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $119.71 | $49.91 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 38 | 27 | US Citizen |  | 781 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643711 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250501 | Debt Service Coverage | Yes | Yes | $4400.00 | $4400.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 4400 | 1.06 | 1.06 | $4168.55 | 20211231 | 12 | Yes | Yes | $42300.00 |  | NO | $0.00 | $529.99 | $124.67 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 305 | 8 | US Citizen |  | 711 | 0 | 0 |  |  | 0 | 0 | 1 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | $XXXX | 2 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1668616 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250601 | Debt Service Coverage | Yes | Yes | $10120.00 | $13420.00 | Other | Leases | No |  | 0 |  |  | 13420 | 1.07 | 1.07 | $12508.85 | 20260228 | 12 | No | Yes | $200000.00 |  | NO | $0.00 | $2697.92 | $1112.63 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 8 | 8.9 | US Citizen |  | 711 | 0 | 0 |  |  | 0 | 0 | 1 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | 20250508 | $XXXX | 8 | XXXX | XXXX | 16 | 8 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643713 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250501 | Debt Service Coverage | Yes | No | $0.00 | $14000.00 |  | 1025 | No |  | 0 |  |  | 10500 | 1.3 | 1.3 | $8107.40 |  |  |  | Yes | $50000.00 |  | NO | $0.00 | $1248.74 | $1019.36 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 20 | 10 | US Citizen |  | 767 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 749 | 770 | 767 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | $XXXX | 2 | XXXX | XXXX | 4 | 2 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1668620 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250601 | Debt Service Coverage | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3000 | 1.18 | 1.18 | $2552.49 |  |  |  | Yes | $36000.00 |  | NO | $0.00 | $392.59 | $141.50 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 31 | 1 | US Citizen |  | 718 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | 20250514 | $XXXX | 1 | XXXX | XXXX | 1 | 2 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643575 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term | 20250601 | Debt Service Coverage | Yes | No | $0.00 | $3600.00 |  | 1025 | No |  | 0 |  |  | 2950 | 1 | 1 | $2948.26 |  |  |  | Yes | $50600.00 |  | NO | $0.00 | $120.92 | $407.16 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 30 | 1 | US Citizen |  | 729 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | 20250526 | $XXXX | 2 | XXXX | XXXX | 6 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643576 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250601 | Debt Service Coverage | Yes | Yes | $1950.00 | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1900 | 1.03 | 1.03 | $1844.71 | 20250831 | 12 |  | Yes | $22800.00 |  | NO | $0.00 | $114.10 | $75.34 | Stated, Verified | NO | 1 | 23 |  | No | No | Experienced | 25 | 17 | US Citizen | US Citizen | 775 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643716 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250501 | Debt Service Coverage | Yes | No | $0.00 | $2700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2700 | 1.24 | 1.24 | $2182.60 |  |  |  | Yes | $14000.00 |  | YES | $396.00 | $413.46 | $303.34 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 45 | 7 | US Citizen |  | 739 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | 20250513 | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643577 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250601 | Debt Service Coverage | Yes | Yes | $1600.00 | $1900.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1600 | 1.01 | 1.01 | $1589.05 | 20250731 | 12 |  | Yes | $20000.00 |  | YES | $300.00 | $260.65 | $70.48 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 81 | 3 | US Citizen |  | 720 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643578 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250501 | Debt Service Coverage | Yes | Yes | $1900.00 | $1900.00 | FNMA 1007/216 |  | No |  | 0 |  |  | 1900 | 1.13 | 1.13 | $1674.89 | 20250731 | 12 | No | Yes | $20000.00 |  | YES | $299.84 | $241.76 | $70.48 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 85 | 3 | US Citizen |  | 720 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643579 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250601 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | 1025 | No | 1025 | 8100 |  |  | 8099.67 | 1.73 | 1.73 | $4688.18 |  |  |  | Yes | $30000.00 |  | YES | $950.00 | $530.15 | $112.26 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 22 | 5.3 | US Citizen | US Citizen | 782 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX | 20250430 | $XXXX | 1 | XXXX | XXXX | 2 | 3 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1643580 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term | 20250501 | Debt Service Coverage | Yes | No | $0.00 | $4800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4800 | 1.06 | 1.06 | $4522.64 |  |  |  | Yes | $72800.00 |  | YES | $94.00 | $811.46 | $152.25 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 91 | 7.9 | Permanent Resident Alien | Permanent Resident Alien | 805 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | Permanent Resident Alien | Stated, Verified | 815 | 801 | 797 | XXXX | XXXX |  | Permanent Resident Alien | Stated, Verified | 805 | 805 | 808 | Not Required | Not Required | XXXX | 20250403 | $XXXX | 2 | XXXX | XXXX | 3 | 4 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1668629 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250601 | Debt Service Coverage | Yes | No | $0.00 | $5000.00 |  | 1025 | No |  | 0 |  |  | 4675 | 1.31 | 1.31 | $3579.36 |  |  |  | Yes | $50000.00 |  | NO | $0.00 | $554.87 | $386.50 | Stated, Verified | NO | 2 | 4 |  | No | No | Experienced | 34 | 8 | US Citizen |  | 785 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | 20250528 | $XXXX | 3 | XXXX | XXXX | 7 | 6 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1668637 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250601 | Debt Service Coverage | Yes | No | $0.00 | $3950.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3950 | 1.23 | 1.23 | $3216.97 |  |  |  | Yes | $57558.00 |  | NO | $0.00 | $817.28 | $291.75 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 63 | 37 | US Citizen |  | 804 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 804 | 806 | 792 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | 20250523 | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1668642 | XXXXX | XXXXX |  | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250601 | Debt Service Coverage | Yes | No | $0.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1700 | 1 | 1 | $1694.36 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $270.16 | $75.42 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 6 | 2 | US Citizen |  | 730 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | 20250508 | $XXXX | 1 | XXXX | XXXX | 3 | 1.1 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |

---

## Exhibit 99.32

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.32**

![](ex9932001.jpg)

EFMT 2025-NQM3<br>Ellington Management Group, LLC<br>

Opus Capital Markets Consultants, LLC

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

**Executive Narrative**

**July 17, 2025**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**Ellington Management Group, LLC**

The report summarizes the results of a due diligence review performed on a pool of 67 loans, of which were purchased by Ellington Management Group, LLC ("Customer") from an originator (the "Originator") who are a clients of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit review of all loans.

As detailed herein, the pool contains 44 DSCR loans, 3 Business Purpose loans and 20 NQM loans that were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

EXHIBIT A

**Credit Review** 

**Credit Qualification** 

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at

origination and meet Client provided underwriting guideline and regulatory requirements.

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

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

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

**Document Review** 

**Document Review**

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

**a) Collateral Docs** 

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

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

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

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

**b) Closing Docs** 

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

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

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

● Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

● Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's

Loan Analysis.

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

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

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

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

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

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

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

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

**Regulatory Compliance** 

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

1. The "material"1 disclosure requirements of the federal Truth-in-Lending Act ("TILA"), as amended by the Home Ownership and Equity Protection Act ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part

1026, including the material provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA Integrated Disclosure ("TRID") Rule, TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time, as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review of the Notice of Right to Cancel, including a verification of the transaction date and expiration

date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed TIL(s), with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required

parties, principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business days of application and seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines; ii. Review the required sections of each LE to ensure they were populated in accordance with the TRID Rules. (If the file reflects more than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations will be based on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed after the initial LE;

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

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

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

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

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

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

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

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

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

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

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

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

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

12. Consultant shall confirm that any mortgage property located in an area identified on a flood hazard map or flood insurance rate

map issued by the Federal Emergency Management Agency as having special flood hazards is subject to a qualified flood insurance policy that appears to be is in effect.

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent. b. Final Truth in Lending Disclosure ("TIL"), if applicable

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain

one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial Closing Disclosure.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file will be considered delivered based on the date issued, subject to the

three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered the Final with any delivered post consummation considered as a corrected Closing Disclosure.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed of Trust j. FACTA disclosures

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing Disclosure,

must be shown as paid to the third-party provider. A condition must be set if a third-party fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file indicating that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less

than $1 are deemed to be within reasonable limits and are not to be reported.

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

Disclosure to show the final, accurate charges to the borrower.

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

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

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

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

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

below and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

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

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

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

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

b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible loans only will focus on the eight factors

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payments for property taxes and hazard/flood insurance and certain other costs related to the property such as homeowner's association fees or ground rent. 6. Debts, alimony, and child support obligations

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not

rendering an independent assessment or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's conclusion.

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

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

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

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

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

**Additional Disclosures and Requirements:** 

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

● Servicing Transfer Disclosure (for applications prior to 10/03/2015):

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

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

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

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

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

● Affiliated Business Disclosure

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

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

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

● Initial Escrow Disclosure Statement

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

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

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

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

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

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

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

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

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

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

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

● California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

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

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

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

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

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

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

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

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

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

● Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167). City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

● Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

● Indiana Home Loan Practic <u>es Act</u>, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq.

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

● Kansas Consumer Credit Code

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

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

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

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

● Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. In <u>sti</u> t. Code §§ 11-501 et seq.; Md. Code Regs. §§ <u>0</u> 9 <u>.03.</u> 06.01 et seq.

● Massachusetts High- Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

● Massachusetts Pr <u>eda</u> tory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

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

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

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

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

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

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

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

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

● New Jersey Home <u>Owne</u> rship Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

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

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

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

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

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

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

● Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as imp <u>le</u> m <u>en</u> ted by Ohio Admin. Rules § 109 4-3-01 et seq.

● City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, O <u>rd</u> i <u>nan</u> ce No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

● Summit County, Ohio, Anti-Predatory Lending Ordi <u>na</u> n <u>ce,</u> Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq.

● Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the

● Oklahoma Consumer Credit Code.

● Oklahoma Higher-Pr <u>ic</u> ed Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9- 1 et seq.

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

● Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergen <u>c</u> y Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

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

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

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

● Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq. Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), Article XVI of the Texas Constitution

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

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

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

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

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

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

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

● Washington House Bill 2770, Mortgage Lending Ownership

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

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

● Wyoming Credit Code

**Flood Insurance Testing** 

**National Flood Insurance Program (NFIP)**

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

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

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

Frequency – Payable with same frequency as payments designated for the loans <br> Exceptions

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

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

● Flood Insurance coverage for the residential real estate is provided by a policy that

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

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

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

**Misrepresentation and Third-Party Review**

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

1) Misrepresentation Review and Valuation Review

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

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

● Alerts: Assess credit report alerts for accuracy and potential issues.

● Social Security Numbers: Compare SSN(s) across all file documents.

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

● Data Consistency: Review the documents contained in the loan file for consistency of data.

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

**Independent Third-Party Values** 

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

● Property is complete

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

● Property is described in average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

● Appraisal contains required attachments.

● Appraiser was appropriately licensed at the time the appraisal was signed

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

Value Review Disclaimer

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

● Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

● Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

● Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.** 

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

● No apparent damage to the property

● Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

● Appraised Value

● CLTV

● DTI

● FICO

● Interest Only

● Interest Rate

● Loan Term

● Loan Purpose

● LTV

● Occupancy

● Original Balance

● Property Addreess

● Property City

● Property State

● Property Type

● Sales Price

● Second Mortgage Lien Amount

● Self Employed

● Units

● Zip Code

● Loan Type

● QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades** 

● Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

● Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

● Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

**Opus Property Grades** 

● Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

● Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

● Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

**Opus Compliance Grades**

● Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

● Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

● Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

● Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review** 

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

**Borrower Underwriting:** 

● **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting Guidelines.

● **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

● **Property management questionnaire:** Review the questionnaire to confirm management experience meets Underwriting Guidelines.

● **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents are in

the file).

● **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting Guidelines.

● **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

● **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements are eligible per the Underwriting Guidelines.

● **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

**Title Insurance Requirements are met per Guidelines only as follows** 

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

● **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

● **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

● **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

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

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

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

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

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

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

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

**Compliance**

● No compliance testing for the DSCR review.

**<u>Pool Details</u>**

![](ex9932002.jpg)

![](ex9932003.jpg)

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.01% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.51% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.51% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.51% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.51% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.51% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;16 | &nbsp;&nbsp;76.12% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;95.52% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.01% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;5 | &nbsp;&nbsp;92.54% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.51% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;10 | &nbsp;&nbsp;85.07% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**67** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were 3 obligors with multiple loans in the pool.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated July 8, 2025.

![](ex9932004.jpg)

**<u>Loans Reviewed (67)</u>**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;1969253 | &nbsp;&nbsp;2036775 | &nbsp;&nbsp;2033609 | &nbsp;&nbsp;2033618 |
| &nbsp;&nbsp;2036785 | &nbsp;&nbsp;2027347 | &nbsp;&nbsp;2033612 | &nbsp;&nbsp;2027357 |
| &nbsp;&nbsp;2036797 | &nbsp;&nbsp;2011824 | &nbsp;&nbsp;2022802 | &nbsp;&nbsp;2022812 |
| &nbsp;&nbsp;2036793 | &nbsp;&nbsp;2016512 | &nbsp;&nbsp;2033608 | &nbsp;&nbsp;2027351 |
| &nbsp;&nbsp;2036800 | &nbsp;&nbsp;2022800 | &nbsp;&nbsp;2022803 | &nbsp;&nbsp;2033620 |
| &nbsp;&nbsp;2036781 | &nbsp;&nbsp;2027358 | &nbsp;&nbsp;2022804 | &nbsp;&nbsp;2027360 |
| &nbsp;&nbsp;2036782 | &nbsp;&nbsp;2011827 | &nbsp;&nbsp;2022811 | &nbsp;&nbsp;2033622 |
| &nbsp;&nbsp;2036794 | &nbsp;&nbsp;2033617 | &nbsp;&nbsp;2033607 | &nbsp;&nbsp;2033615 |
| &nbsp;&nbsp;2036789 | &nbsp;&nbsp;2027349 | &nbsp;&nbsp;2016519 | &nbsp;&nbsp;2022813 |
| &nbsp;&nbsp;2036779 | &nbsp;&nbsp;2022801 | &nbsp;&nbsp;2022806 | &nbsp;&nbsp;2036778 |
| &nbsp;&nbsp;2027355 | &nbsp;&nbsp;2027350 | &nbsp;&nbsp;2022805 | &nbsp;&nbsp;2033621 |
| &nbsp;&nbsp;1995586 | &nbsp;&nbsp;2027352 | &nbsp;&nbsp;2027356 | &nbsp;&nbsp;2033616 |
| &nbsp;&nbsp;2013745 | &nbsp;&nbsp;2033610 | &nbsp;&nbsp;2022814 | &nbsp;&nbsp;2036776 |
| &nbsp;&nbsp;2033623 | &nbsp;&nbsp;2011832 | &nbsp;&nbsp;2027353 | &nbsp;&nbsp;2037741 |
| &nbsp;&nbsp;2024166 | &nbsp;&nbsp;2033613 | &nbsp;&nbsp;2033619 | &nbsp;&nbsp;2036780 |
| &nbsp;&nbsp;2033614 | &nbsp;&nbsp;2016520 | &nbsp;&nbsp;2027348 | &nbsp;&nbsp;2036777 |
| &nbsp;&nbsp;2022799 | &nbsp;&nbsp;2027354 | &nbsp;&nbsp;2022807 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.33

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.33**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXXXXXX | XXXX |  | 1969253 | Closed | 2024-12-11 15:16 | 2025-03-31 16:34 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/12/2024 <br>Ready for Review-Document Uploaded. - Buyer-12/11/2024 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements 1) Evidence that undisclosed property is owned free and clear and 2) Evidence of taxes and insurance on same property. - Due Diligence Vendor-12/11/2024 |  | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/12/2024<br>| XXXXXXXX - XXXX XXXX XXXXX XXX - Owned By LLC.pdf |  |  | XX | Second Home | Purchase | NA | 2980700 | N/A | N/A |
| XXXXXXXX | XXXX |  | 1969253 | Closed | 2024-12-11 18:20 | 2024-12-12 21:34 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence that REO1 Property is Owned Free and Clear | Resolved-Lender provided documentation property owned in LLC, finding resolved. - Due Diligence Vendor-12/12/2024 <br>Ready for Review-Document Uploaded. - Buyer-12/11/2024 <br>Open-Missing Evidence that REO1 Property is Owned Free and Clear Per Letter of Explanation for addresses and Driver's License, borrower owns another property owned free and clear, however, documentation is missing from the loan file. - Due Diligence Vendor-12/11/2024 |  | Resolved-Lender provided documentation property owned in LLC, finding resolved. - Due Diligence Vendor-12/12/2024<br>| XXXXXXXX- REO Property1.pdf |  |  | XX | Second Home | Purchase | NA | 2983906 | N/A | N/A |
| XXXXXXXX | XXXX |  | 1969253 | Closed | 2024-12-11 18:34 | 2024-12-12 20:44 | Resolved | 1 - Information | Credit | Missing Doc | Missing Occupancy LOI/LOE | Resolved-Lender provided LOX and proof of ownership in LLC, finding resolved. - Due Diligence Vendor-12/12/2024 <br> Ready for Review-Document Uploaded. - Seller-12/11/2024 <br> Open-Missing Occupancy LOI/LOE Borrower and Lender to address occupancy of subject property. The borrower already owns a second home in the same area (address listed on the Driver's License) which was purchased on XX/XX/XXXX for $XXXXX unencumbered while subject property is worth $XXXXX. Additionally, borrower also owns another investment in the same area purchased XX/XX/XXXX. - Due Diligence Vendor-12/11/2024 | Ready for Review-Document Uploaded. - Seller-12/11/2024<br>| Resolved-Lender provided LOX and proof of ownership in LLC, finding resolved. - Due Diligence Vendor-12/12/2024<br>| XXXXXXXX - XXXX XXXX XXXXX XXX - LOE.pdf<br> XXXXXXXX - XXXX XXXX XXXXX XXX- Owned By LLC.pdf |  |  | XX | Second Home | Purchase | NA | 2984139 | N/A | N/A |
| XXXXXXXX | XXXX |  | 1969253 | Closed | 2024-12-11 15:20 | 2024-12-12 20:42 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Property held in LLC, finding resolved - Due Diligence Vendor-12/12/2024 <br>Ready for Review-Document Uploaded. - Buyer-12/11/2024 <br>Open-Missing evidence of taxes and insurance for undisclosed property (address listed on Letter of Explanation and Driver's License). - Due Diligence Vendor-12/11/2024 |  | Resolved-Property held in LLC, finding resolved - Due Diligence Vendor-12/12/2024<br>| XXXXXXXX - XXXX XXXX XXXXX XXX - Owned By LLC.pdf |  |  | XX | Second Home | Purchase | NA | 2980764 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2036785 | Closed | 2025-05-20 12:41 | 2025-06-12 19:21 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/30/2025 <br>Resolved-Evidence of 04/2025 payment was provided. Condition cleared. - Due Diligence Vendor-05/28/2025 <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing payment confirmation for the month of April 2025 of interest payment of $833.33 against 2nd lien on subject property. - Due Diligence Vendor-05/20/2025 |  | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/30/2025 <br>Resolved-Evidence of 04/2025 payment was provided. Condition cleared. - Due Diligence Vendor-05/28/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4189400 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2036785 | Closed | 2025-05-20 13:48 | 2025-05-30 12:02 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC and revised LE dated XX/XX/XXXX were provided, increase in Discount Points was due to rate lock. Condition cleared. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-COC for discount points uploaded - Due Diligence Vendor-05/29/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Discount points increased on the CD dated 05/09/2025 without a valid COC. No Cure. - Due Diligence Vendor-05/20/2025 |  | Resolved-COC and revised LE dated XX/XX/XXXX were provided, increase in Discount Points was due to rate lock. Condition cleared. - Due Diligence Vendor-05/30/2025 | 2549002VH9C0PKB8K1532502002262221_Untitled_20252905171834_XXXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4190281 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2036785 | Closed | 2025-05-20 13:48 | 2025-05-30 12:01 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-COC and revised LE dated XX/XX/XXXX were provided, increase in Discount Points was due to rate lock. Condition cleared. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-COC uploaded - Due Diligence Vendor-05/29/2025 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated XX/XX/XXXX, reflects a Discount Points of $0. Post-Closing CD dated XX/XX/XXXX reflects a Discount points of $16070.40. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $16070.40 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-05/20/2025 |  | Resolved-COC and revised LE dated XX/XX/XXXX were provided, increase in Discount Points was due to rate lock. Condition cleared. - Due Diligence Vendor-05/30/2025 | 2549002VH9C0PKB8K1532502002262221_Untitled_20252905171834_XXXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4190280 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2036785 | Closed | 2025-05-20 13:48 | 2025-05-30 12:00 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Initial CD dated XX/XX/XXXX was provided. Initial CD timing requirements were met. Condition cleared. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Inital CD upoaded - Due Diligence Vendor-05/29/2025 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-05/20/2025 |  | Resolved-Initial CD dated XX/XX/XXXX was provided. Initial CD timing requirements were met. Condition cleared. - Due Diligence Vendor-05/30/2025 | 2549002VH9C0PKB8K1532502002262221_Untitled_20252905171834_XXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4190279 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2036785 | Closed | 2025-05-20 13:21 | 2025-05-30 11:59 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided revised LE dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-LE dated XX/XX/XXXX uploaded - Due Diligence Vendor-05/29/2025 <br> Open-Missing last loan estimate dated XX/XX/XXXX as per compliance document and Instructions to Escrow/Title/Closing Agent available in the file. - Due Diligence Vendor-05/20/2025 |  | Resolved-Lender provided revised LE dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-05/30/2025 | 2549002VH9C0PKB8K1532502002262221_Untitled_20252905171834_XXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4189868 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2036785 | Closed | 2025-05-20 12:41 | 2025-05-28 11:29 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Evidence of 04/2025 payment was provided. Condition cleared. - Due Diligence Vendor-05/28/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing payment confirmation for the month of April 2025 of interest payment of $833.33 against 2nd lien on subject property. - Due Diligence Vendor-05/20/2025 |  | Resolved-Evidence of 04/2025 payment was provided. Condition cleared. - Due Diligence Vendor-05/28/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4189399 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2036785 | Closed | 2025-05-20 12:50 | 2025-05-20 12:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/20/2025 |  | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/20/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4189482 | Investor Post-Close | No |
| XXXXXXXX | XXXX |  | 2036793 | Closed | 2025-05-20 14:07 | 2025-07-08 20:35 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Please read prior comments. This condition was cleared on 05/27. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-REO1 (XXXX XXXXXXXXXXXX XXX) in not in the borrower's name. It's in an LLC so borrower is not obligated to show proof of 12 months housing history. REO2 (XXXXX XXX XXXXXXXX XX) will also not reflect 12 months history because Property Profile provided shows that they took it over XX/XX/XXXX which is where the credit supplement show the 9 months history. Credit supplement also shows due for May 2025, so March has been paid. Please re-review items sent and clear. - Due Diligence Vendor-05/28/2025 <br> Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/27/2025 <br> Resolved-Lender states Mtg History not required on LLC and provided updated credit report for REO2 which is 9 months - opened 7/2024. Condition cleared. - Due Diligence Vendor-05/27/2025 <br> Counter-Documentation provided shows ownership from XXXX and credit supplement provided shows 9 months reporting. Guidelines require 12 months housing history, finding maintained. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-REO 1 - XXXX XXXXXXXXXXXX XXX borrower not obligated on mortgage in name of LLC - Due Diligence Vendor-05/21/2025 <br> Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing VOM/VOR for REO 1 property to verify the 12 months housing history. Missing updated history for REO 2 reflecting March payment. Additional conditions may apply. - Due Diligence Vendor-05/20/2025 |  | Resolved-Please read prior comments. This condition was cleared on 05/27. - Due Diligence Vendor-05/29/2025 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/27/2025 <br>Resolved-Lender states Mtg History not required on LLC and provided updated credit report for REO2 which is 9 months - opened 7/2024. Condition cleared. - Due Diligence Vendor-05/27/2025<br>| 549300F8C5JA44WNMI75452064540508_Credit - Credit Supplements_20251404153839_XXXXXXXX.pdf<br> 549300F8C5JA44WNMI75452064540508_Credit - Credit Supplements_20251404153839_XXXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 4190582 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2036793 | Closed | 2025-05-20 14:06 | 2025-07-08 20:33 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Please review prior comments. This condition was cleared on 05/27. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-REO2 (XXXXX XXX XXXXXXXX XX) will also not reflect 12 months history because Property Profile provided shows that they took it over XX/XX/XXXX which is where the credit supplement show the 9 months history. Credit supplement also shows due for May 2025, so March has been paid. Please re-review items sent and clear. - Due Diligence Vendor-05/28/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/27/2025 <br> Resolved-Lender states Mtg History not required on LLC and provided updated credit report for REO2 which is 9 months - opened XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-05/27/2025 <br> Counter-Documentation provided shows ownership from XXXX and credit supplement provided shows 9 months reporting. Guidelines require 12 months housing history, finding maintained. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-REO 1 - XXXX XXXXXXXXXXX XXX borrower not obligated on mortgage in name of LLC <br> REO 2 - See attached credit supplement showing paid - Due Diligence Vendor-05/21/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOM/VOR for REO 1 property to verify the 12 months housing history. Missing updated history for REO 2 reflecting March payment. Additional conditions may apply. - Due Diligence Vendor-05/20/2025 |  | Resolved-Please review prior comments. This condition was cleared on 05/27. - Due Diligence Vendor-05/29/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/27/2025 <br>Resolved-Lender states Mtg History not required on LLC and provided updated credit report for REO2 which is 9 months - opened 7/2024. Condition cleared. - Due Diligence Vendor-05/27/2025<br>| 549300F8C5JA44WNMI75452064540508_Credit - Credit Supplements_20251404153839_XXXXXXX.pdf<br> 549300F8C5JA44WNMI75452064540508_Credit - Credit Supplements_20251404153839_XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 4190562 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2036793 | Closed | 2025-05-20 15:02 | 2025-05-29 16:56 | Resolved | 1 - Information | Compliance | Missing Doc | Required Compliance Documentation is Missing | Resolved-Disclosure tracking received. Finding resolved. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Disclosre Tracking has been uploaded directly to condition on the site. - Due Diligence Vendor-05/29/2025 <br>Counter-Document Uploaded. - Seller-05/29/2025 <br>Counter-Disclosure Tracking not found. Please re-upload. Condition retained. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Please see attached dislosure tracking details. - Due Diligence Vendor-05/28/2025 <br>Open-Provide disclosure tracking which includes Application date with all Loan Estimates and Closing Disclosures provided to borrower(s) with Initial Disclosure Date and Received date. - Due Diligence Vendor-05/20/2025 |  | Resolved-Disclosure tracking received. Finding resolved. - Due Diligence Vendor-05/29/2025<br>| XXXXXX Disc..pdf |  |  | XX | Primary Residence | Purchase | NA | 4191421 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2036793 | Closed | 2025-05-20 15:46 | 2025-05-29 16:54 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Statement provided. Finding resolved. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Mortgage statement has been uploaded directly to condition on the site. \| Mortgage statement has been uploaded to site. - Due Diligence Vendor-05/29/2025 <br> Counter-Document Uploaded. - Buyer-05/29/2025 <br> Counter-Mortgage statement not found. Please re-upload. Condition retained. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-I did not provide a supplement for this condition. Please re-review mortgage statement that was sent. It specificly lists the PITI breakdown on the mortgage statement. \| Per Mortgage statement provided from XXXXXXX the $X,XXX.XX includes the Principal, Interest, Taxes, and Insurance. - Due Diligence Vendor-05/28/2025 <br> Counter-Lender provided credit supplement to verify mortgage on REO 3b is current. The finding is for proof that the payment of $X,XXX.XX is inclusive of T/I which the credit supplement does not provide/confirm. Condition retained. - Due Diligence Vendor-05/28/2025 <br> Counter-Credit supplement does not provide data as to payment including escrows, finding maintained. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Please see attached statement for confirmation - Due Diligence Vendor-05/21/2025 <br> Open-Missing mortgage statement for REO 2 property (to verify PITI). Additional conditions may apply.<br> - Due Diligence Vendor-05/20/2025 |  | Resolved-Statement provided. Finding resolved. - Due Diligence Vendor-05/29/2025<br>| XXXXXX Mtg Stmt.pdf |  |  | XX | Primary Residence | Purchase | NA | 4192474 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2036794 | Closed | 2025-05-30 05:48 | 2025-05-30 16:23 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. . - Due Diligence Vendor-05/30/2025 |  | Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. . - Due Diligence Vendor-05/30/2025 |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4277831 | Investor Post-Close | No |
| XXXXXXXX | XXXX |  | 2036794 | Closed | 2025-05-30 04:21 | 2025-05-30 04:21 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/30/2025 |  | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/30/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4277561 | Investor Post-Close | No |
| XXXXXXXX | XXXX |  | 2036789 | Closed | 2025-05-12 20:29 | 2025-05-27 18:13 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Bank statement dated 04/30/2025 and print-out up to 05/07/2025 closing date was provided, large deposits sourced. Sufficient reserves verified, condition cleared. - Due Diligence Vendor-05/16/2025 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-05/16/2025 <br> Ready for Review-there are also checks there to source the large deposits - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Understand that bank statement runs past closing date but prior to the closing of XX/XX/XXXX borrower had a deposit on 5/6/25 which is enough to covered the required reserves. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Understand that bank statement runs past closing date but prior to the closing of XX/XX/XXXX borrower had a deposit on 5/6/25 which is enough to covered the required reserves. - Due Diligence Vendor-05/15/2025 <br> Counter-Asset documentation provided is dated post close, credit exception with valid compensating factors required. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-See additinal asets - Due Diligence Vendor-05/14/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Audited Reserves of 2.91 month(s) are less than Guideline Required Reserves of 6 month(s). - Due Diligence Vendor-05/12/2025 |  | Resolved-Bank statement dated 04/30/2025 and print-out up to 05/07/2025 closing date was provided, large deposits sourced. Sufficient reserves verified, condition cleared. - Due Diligence Vendor-05/16/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-05/16/2025<br>| 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_20251405192626_XXXXXXX.pdf<br> 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_1_20251405192626_XXXXXXX.pdf<br> 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_20251505154337_XXXXXXX.pdf<br> 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_1_20251405192626_XXXXXXX.pdf<br> 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_20251505154337_XXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4119829 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2036789 | Closed | 2025-05-12 19:37 | 2025-05-27 18:09 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-CPA letter dated 5/1/2025 received verifying current self-employment of 17 years. Finding resolved. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-CPA letter - Due Diligence Vendor-05/19/2025 <br> Counter-Bank statements are not acceptable verification of self-employment. Per Guidelines section 7.4.2.1, verification of existence of the business may be done with the following: a letter from either the business tax professional, regulator agency or licensing bureau and either a phone listing or business address using directory assistance or an internet search. Documents provided were obtained post-close which require an exception. Condition retained. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-There are 13 months bankstatement most recent full bank statement is April 2025 which shows the busniess is active along with the source of large deposits that are all made out the Business name. We additionally included the LEXIS NEXIS, Secretary of State business search, google. - Due Diligence Vendor-05/16/2025 <br> Counter-Documentation to verify self-employment (internet search, Secretary of State and Lexis Nexis) are dated XX/XX/XXXX and XX/XX/XXXX which is after the Note date of XX/XX/XXXX. Condition retained. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-See updated search of the secretary of state and Lexis Nexis. - Due Diligence Vendor-05/15/2025 <br> Counter-Letter from either the business tax professional or licensing bureau certifying two years of employment missing, finding maintained. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-- - Due Diligence Vendor-05/14/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/12/2025 |  | Resolved-CPA letter dated 5/1/2025 received verifying current self-employment of 17 years. Finding resolved. - Due Diligence Vendor-05/19/2025<br>| 254900XMP0QEM5UBSP98100000729095_Income - Verbal Verification of Employment_20251405171759_4119074.pdf<br>254900XMP0QEM5UBSP98100000729095_Income - Verbal Verification of Employment_20251405171759_4119074.pdf<br>254900XMP0QEM5UBSP98100000729095_Income - Verbal Verification of Employment_20251405171759_4119074.pdf<br>254900XMP0QEM5UBSP98100000729095_Income - Verbal Verification of Employment_20251405171759_4119074.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4119074 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2036789 | Closed | 2025-05-12 20:42 | 2025-05-16 17:24 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Bank statement dated 04/30/2025 and print-out up to 05/07/2025 closing date was provided, large deposits sourced. Sufficient reserves verified, condition cleared. - Due Diligence Vendor-05/16/2025 <br> Resolved-Audited Reserves of 7.58 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Understand that bank statement runs past closing date but prior to the closing of XX/XX/XXXX borrower had a deposit on 5/6/25 which is enough to covered the required reserves. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Understand that bank statement runs past closing date but prior to the closing of XX/XX/XXXX borrower had a deposit on 5/6/25 which is enough to covered the required reserves. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Understand that bank statement runs past closing date but prior to the closing of XX/XX/XXXX borrower had a deposit on 5/6/25 which is enough to covered the required reserves. - Due Diligence Vendor-05/15/2025 <br> Counter-Asset documentation provided is dated post close, credit exception with valid compensating factors required. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-additional assets - Due Diligence Vendor-05/14/2025 <br> Open-Audited Reserves of 2.91 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/12/2025 |  | Resolved-Bank statement dated 04/30/2025 and print-out up to XXXX closing date was provided, large deposits sourced. Sufficient reserves verified, condition cleared. - Due Diligence Vendor-05/16/2025 <br> Resolved-Audited Reserves of 7.58 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/16/2025 | 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_20251405192626_XXXXXXX.pdf<br> 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_1_20251405192626_XXXXXXX.pdf<br> 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_20251505154337_XXXXXXX.pdf<br> 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_1_20251405192626_XXXXXXX.pdf<br> 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_20251505154337_XXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4120007 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2036789 | Closed | 2025-05-12 20:29 | 2025-05-16 17:24 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Bank statement dated 04/30/2025 and print-out up to 05/07/2025 closing date was provided, large deposits sourced. Sufficient reserves verified, condition cleared. - Due Diligence Vendor-05/16/2025 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $96883.37 is equal to or greater than Total Required Reserve Amount of $76677.78 - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Understand that bank statement runs past closing date but prior to the closing of XX/XX/XXXX borrower had a deposit on 5/6/25 which is enough to covered the required reserves. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Understand that bank statement runs past closing date but prior to the closing of XX/XX/XXXX borrower had a deposit on 5/6/25 which is enough to covered the required reserves. - Due Diligence Vendor-05/15/2025 <br> Counter-Asset documentation provided is dated post close, credit exception with valid compensating factors required. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-additional assets - Due Diligence Vendor-05/14/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $37180.26 is less than Total Required Reserve Amount of $76677.78 - Due Diligence Vendor-05/12/2025 |  | Resolved-Bank statement dated 04/30/2025 and print-out up to XXXX closing date was provided, large deposits sourced. Sufficient reserves verified, condition cleared. - Due Diligence Vendor-05/16/2025 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $96883.37 is equal to or greater than Total Required Reserve Amount of $76677.78 - Due Diligence Vendor-05/16/2025 | 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_20251405192626_XXXXXXX.pdf<br> 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_1_20251405192626_XXXXXXX.pdf<br> 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_20251505154337_XXXXXXX.pdf<br> 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_1_20251405192626_XXXXXXX.pdf<br> 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_20251505154337_XXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4119828 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2036789 | Closed | 2025-05-12 21:05 | 2025-05-16 17:05 | Resolved | 1 - Information | Compliance | Missing Doc | Required Compliance Documentation is Missing | Resolved-Disclosure Tracking was provided - all LEs and CDs were in the loan file. Condition cleared. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-This is the disclsoure tracking for this NDC - Due Diligence Vendor-05/15/2025 <br>Open-Provide disclosure tracking which includes Application date with all Loan Estimates and Closing Disclosures provided to borrower(s) with Initial Disclosure Date and Received date - Due Diligence Vendor-05/12/2025 |  | Resolved-Disclosure Tracking was provided - all LEs and CDs were in the loan file. Condition cleared. - Due Diligence Vendor-05/16/2025<br>| 254900XMP0QEM5UBSP98100000729095_Disclosure - e-Consent_20251505192841_XXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4120310 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2036789 | Closed | 2025-05-12 19:55 | 2025-05-13 15:37 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies.<br> - Due Diligence Vendor-05/12/2025 |  | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies.<br> - Due Diligence Vendor-05/12/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4119362 | Investor Post-Close | No |
| XXXXXXXX | XXXX |  | 2027355 | Closed | 2025-05-21 13:18 | 2025-05-22 15:45 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Proof of earnest money received; therefore, assets were sufficient for closing costs and reserves. Condition cleared. - Due Diligence Vendor-05/22/2025 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $40316.95 is equal to or greater than Total Required Reserve Amount of $35554.98 - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. - Seller-05/22/2025 <br>Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $35554.98. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-05/22/2025<br>| Resolved-Proof of earnest money received; therefore, assets were sufficient for closing costs and reserves. Condition cleared. - Due Diligence Vendor-05/22/2025 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $40316.95 is equal to or greater than Total Required Reserve Amount of $35554.98 - Due Diligence Vendor-05/22/2025<br>| 4850 20K.pdf<br>4850 85K.pdf<br>8311 85K.pdf |  |  | XX | Investment | Purchase | NA | 4202418 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2027355 | Closed | 2025-05-21 14:04 | 2025-05-22 15:45 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Proof of earnest money received; therefore, assets were sufficient for closing costs and reserves. Condition cleared. - Due Diligence Vendor-05/22/2025 <br>Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. - Seller-05/22/2025 <br>Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $722,170.37 less cash to close of $681,953.42 and less unverified EMD of $190,000 results in $149,683.05 shortage of funds to close. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-05/22/2025<br>| Resolved-Proof of earnest money received; therefore, assets were sufficient for closing costs and reserves. Condition cleared. - Due Diligence Vendor-05/22/2025 <br>Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-05/22/2025<br>| 4850 20K.pdf<br>8311 85K.pdf<br>4850 85K.pdf |  |  | XX | Investment | Purchase | NA | 4203049 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2027355 | Closed | 2025-05-21 13:42 | 2025-05-22 15:44 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Proof of earnest money received; therefore, assets were sufficient for closing costs and reserves. Condition cleared. - Due Diligence Vendor-05/22/2025 <br>Resolved-Audited Reserves of 3.4 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/22/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Audited Reserves of 3.4 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/21/2025 |  | Resolved-Proof of earnest money received; therefore, assets were sufficient for closing costs and reserves. Condition cleared. - Due Diligence Vendor-05/22/2025 <br>Resolved-Audited Reserves of 3.4 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-05/22/2025<br>| 4850 20K.pdf<br>8311 85K.pdf<br>4850 85K.pdf |  |  | XX | Investment | Purchase | NA | 4202763 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2027355 | Closed | 2025-05-21 13:35 | 2025-05-22 15:26 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Evidence of hazard insurance premium was received. Condition cleared. - Due Diligence Vendor-05/22/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/21/2025 <br>Open-Hazard Insurance Policy Partially Provided Evidence of hazard insurance premium is missing. - Due Diligence Vendor-05/21/2025 |  | Resolved-Evidence of hazard insurance premium was received. Condition cleared. - Due Diligence Vendor-05/22/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/22/2025<br>| HOI.pdf |  |  | XX | Investment | Purchase | NA | 4202649 | N/A | N/A |
| XXXXXXXX | XXXX |  | 1995586 | Closed | 2025-02-03 19:39 | 2025-07-08 20:38 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/06/2025 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/06/2025 <br>Ready for Review-This loan has not closed yet, so there is no Note - Buyer-02/05/2025 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The file is missing the Note for property REO 3a on final application. Property was recently refinanced. - Due Diligence Vendor-02/03/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/06/2025 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/06/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 3339188 | N/A | N/A |
| XXXXXXXX | XXXX |  | 1995586 | Closed | 2025-02-04 11:40 | 2025-02-06 15:31 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/06/2025 <br>Ready for Review-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/06/2025 <br>Ready for Review-This loan has not closed yet, so there is no Note - Buyer-02/05/2025 <br>Open-The file is missing the Note for property REO 3a on final application. Property was recently refinanced. - Due Diligence Vendor-02/04/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/06/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 3343347 | N/A | N/A |
| XXXXXXXX | XXXX |  | 1995586 | Closed | 2025-02-04 13:56 | 2025-02-06 15:28 | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/06/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/05/2025 <br>Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. - Due Diligence Vendor-02/04/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/06/2025<br>| Final SS.pdf |  |  | XX | Primary Residence | Purchase | NA | 3344202 | N/A | N/A |
| XXXXXXXX | XXXX |  | 1995586 | Closed | 2025-02-03 18:07 | 2025-02-06 15:27 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/06/2025 <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-02/06/2025 <br>Ready for Review-Document Uploaded. - Seller-02/05/2025 <br>Open-The Deed of Trust is Incomplete. Page 2 & 3 is missing. - Due Diligence Vendor-02/03/2025 | Ready for Review-Document Uploaded. - Seller-02/05/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/06/2025 <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-02/06/2025<br>| SC360i25020518040.pdf |  |  | XX | Primary Residence | Purchase | NA | 3337679 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2033623 | Closed | 2025-06-04 18:25 | 2025-06-05 17:26 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/04/2025 <br>Open-Audited FICO of 663 is less than Guideline FICO of 680 - Due Diligence Vendor-06/04/2025 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-06/05/2025<br>| Loan Exception Request.pdf |  | Reserves - 89 months, 83>6 month min<br> DSCR 1.3132, .3132>1 | XX | Investment | Refinance | Cash Out - Other | 4334885 | Originator Pre-Close | Yes |
| XXXXXXXX | XXXX |  | 2011824 | Closed | 2025-04-22 12:58 | 2025-07-08 20:42 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/08/2025 <br>Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/24/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The November 2024 month business bank statement missing in file. - Due Diligence Vendor-04/22/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/08/2025 <br>Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/24/2025<br>| XXXXXXXX XXXXX Bank Stmt 11 2024.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3923936 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2011824 | Closed | 2025-04-23 11:20 | 2025-07-08 20:41 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/24/2025 <br>Open-Borrower 1 Business Bank Statements Missing The November 2024 month business bank statement missing in file. - Due Diligence Vendor-04/23/2025 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/24/2025<br>| XXXXXXXX XXXXXX Bank Stmt 11 2024.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3935315 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2016512 | Closed | 2025-04-29 18:47 | 2025-05-05 20:09 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/05/2025 <br>Open-TRID: Missing Final Closing Disclosure. - Due Diligence Vendor-04/29/2025 |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/05/2025<br>| Signed_XXXXXXX_FEES_REVISED_2__002_.pdf<br> Signed_XXXXXXX_FEES_REVISED_2__002__20_1_.pdf<br> Signed_XXXXXXX_FEES_REVISED_2__002_ (1).pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3996348 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2016512 | Closed | 2025-04-30 18:20 | 2025-05-01 21:24 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-05/01/2025 <br>Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Seller-05/01/2025 <br>Open-ATR Risk - Employment validation/verification standards do not meet requirements Borrower 4 3rd Party VOE provided 10 days prior to Close is missing. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/01/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-05/01/2025 <br>Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-05/01/2025<br>| VVOE B3 XXXXXXXX XXXXXX.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4007599 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2016512 | Closed | 2025-04-29 22:55 | 2025-05-01 21:22 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 4 3rd Party VOE Prior to Close Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-05/01/2025 <br>Resolved-Borrower 4 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 4) - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Seller-05/01/2025 <br>Open-Borrower 4 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/01/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-05/01/2025 <br>Resolved-Borrower 4 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 4) - Due Diligence Vendor-05/01/2025<br>| VVOE B3 XXXXXXXX XXXXXX.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3999101 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2011827 | Closed | 2025-04-29 15:40 | 2025-05-02 16:05 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-PCCD provided. Finding Resolved. - Due Diligence Vendor-05/02/2025 <br> Resolved-Resolved - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/01/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/01/2025 <br> Open-The disclosed finance charge ($X,XXX,XXX.XX) is ($150.00) below the actual finance charge($X,XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) . The lender did not include the Title-Document Signing fee in Section C. - Due Diligence Vendor-04/30/2025 |  | Resolved-PCCD provided. Finding Resolved. - Due Diligence Vendor-05/02/2025 <br>Resolved-Resolved - Due Diligence Vendor-05/02/2025<br>| XXXXXXXX Ck copy.pdf<br> FedEx Shipping Label - X XXXXXXXX.pdf<br> XXXXXXX PCCD for refund.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3993250 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2016520 | Closed | 2025-05-02 15:35 | 2025-05-06 20:31 | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-PCCD provided. Finding Resolved. - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/06/2025 <br>Open-Subject property located in dry funding state, loan file missing PCCD. <br> - Due Diligence Vendor-05/02/2025 |  | Resolved-PCCD provided. Finding Resolved. - Due Diligence Vendor-05/06/2025<br>| XXXXXXX PCCD.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4028441 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2022803 | Closed | 2025-05-21 17:31 | 2025-05-21 17:31 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Lender's guidelines require management review and exception are required for all DSCR loans when a living rent free explanation letter is provided in place of rental or mortgage payment history. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/21/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Lender's guidelines require management review and exception are required for all DSCR loans when a living rent free explanation letter is provided in place of rental or mortgage payment history. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/21/2025<br>|  |  | 766 FICO vs 760 min required<br> 64.286% LTV > 80% max allowed<br> Rate and term refi | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 4206928 | Originator Pre-Close | Yes |
| XXXXXXXX | XXXX |  | 2016519 | Closed | 2025-05-07 13:28 | 2025-07-08 20:29 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-06/18/2025 <br> Waived-S&P value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Please waive this and show complete - Buyer-05/07/2025 <br> Open-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. . - Due Diligence Vendor-05/07/2025 |  | Waived-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-05/08/2025 |  |  |  | XX | Primary Residence | Purchase | NA | 4067919 | Originator Post-Close | No |
| XXXXXXXX | XXXX |  | 2022805 | Closed | 2025-05-15 14:34 | 2025-07-08 20:31 | Resolved | 1 - Information | Compliance | Mavent | License: Loan Originator | Resolved-Updated documents with corrected NMLS ID provided, finding cleared. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/23/2025 <br> Ready for Review-Document Uploaded. Please see revised Note and Intent to Rerecord the mortgage - Buyer-05/23/2025 <br> Open-A relationship between XXXXX XXXXXX (NMLS ID: XXXXXXXX) and the company (Company NMLS ID: XXXXXXXX) does not exist in the NMLS Consumer Access as of 2025-05-14. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. - Due Diligence Vendor-05/15/2025 |  | Resolved-Updated documents with corrected NMLS ID provided, finding cleared. - Due Diligence Vendor-07/08/2025<br>| Intent.pdf<br> XXXXXXXXXXX Revised Note.pdf<br> Mortgage Unsigned.pdf |  |  | XX | Primary Residence | Purchase | NA | 4149887 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2033619 | Closed | 2025-06-03 15:29 | 2025-06-04 13:19 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Please waive - Buyer-06/03/2025 <br> Open-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-06/03/2025 |  | Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-06/04/2025 |  |  |  | XX | Primary Residence | Purchase | NA | 4312946 | Investor Post-Close | No |
| XXXXXXXX | XXXX |  | 2033618 | Closed | 2025-06-02 07:23 | 2025-06-03 17:44 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation on TRID loan is missing for borrower(s) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-06/03/2025 <br>Counter-The lender provided confirmation appraisal was received by email, but the file is still missing a signed email consent documented in file. - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. Attached is the appraisal receipt and at the bottom it states before downloading the report the borrower accepted consent - Buyer-06/03/2025 <br>Open-E-Consent documentation on TRID loan is missing for borrower(s). Provided E-sign document is not signed by borrower - Due Diligence Vendor-06/02/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-06/03/2025<br>| Sellers Econsent.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 4295208 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2033618 | Closed | 2025-06-02 07:58 | 2025-06-03 14:04 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-The lender provided the required documentation for 2nd mortgage that has not closed yet. Condition resolved. - Due Diligence Vendor-06/03/2025 <br>Open-Document Uploaded. - Due Diligence Vendor-06/03/2025 <br>Open- The file is missing Final CD, Note, Deed of Trust and First payment Letter for REO 4 (3e) showing 2nd mortgage opened with lender however there is no supporting documents in file. Additional conditions may apply. - Due Diligence Vendor-06/02/2025 |  | Resolved-The lender provided the required documentation for 2nd mortgage that has not closed yet. Condition resolved. - Due Diligence Vendor-06/03/2025<br>| 1008.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 4295325 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2027351 | Closed | 2025-05-23 15:25 | 2025-05-29 14:52 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VVOE provided. Finding Resolved. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/28/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing . - Due Diligence Vendor-05/23/2025 |  | Resolved-VVOE provided. Finding Resolved. - Due Diligence Vendor-05/29/2025<br>| VVOE.pdf |  |  | XX | Investment | Purchase | NA | 4228616 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2033621 | Closed | 2025-06-02 20:15 | 2025-06-05 20:05 | Resolved | 1 - Information | Credit | Missing Doc | Final HUD/Settlement Statement Not Provided | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/03/2025 <br>Open-The final HUD/Settlement Statement is missing. Final HUD/Settlement Statement Not Provided - Due Diligence Vendor-06/02/2025 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-06/05/2025<br>| HUD.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 4304554 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2033616 | Closed | 2025-06-04 18:15 | 2025-06-10 12:55 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/09/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/04/2025 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-06/10/2025<br>| B1 VVOE-The Work Number.pdf<br> B2 VVOE XXXXXX LLC.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 4334701 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2033616 | Closed | 2025-06-04 18:15 | 2025-06-10 12:54 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/09/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/04/2025 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-06/10/2025<br>| B2 VVOE XXXXXX LLC.pdf<br> B1 VVOE-The Work Number.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 4334700 | N/A | N/A |
| XXXXXXXX | XXXX |  | 2036776 | Closed | 2025-06-09 08:44 | 2025-06-11 14:58 | Resolved | 1 - Information | Credit | Borrower | Missing LOE for excessive credit inquiries | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/10/2025 <br>Open-Missing LOE for excessive credit inquiries - Due Diligence Vendor-06/09/2025 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-06/11/2025<br>| XXXXXX LOE - Credit Inquiry.pdf |  |  | XX | Primary Residence | Purchase | NA | 4376552 | N/A | N/A |

---

## Exhibit 99.34

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.34**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Original Loan Amount** |
| XXXX |  | 1969253 | $XXX,XXX.XX D C A |
| XXXX |  | 2036785 | $XXX,XXX.XX C D A B |
| XXXX |  | 2036797 | $XXX,XXX.XX A |
| XXXX |  | 2036793 | $XXX,XXX.XX D A |
| XXXX |  | 2036800 | $XXX,XXX.XX A |
| XXXX |  | 2036781 | $XXX,XXX.XX A |
| XXXX |  | 2036782 | $XXX,XXX.XX A |
| XXXX |  | 2036794 | $XXX,XXX.XX A B |
| XXXX |  | 2036789 | $XXX,XXX.XX D A B |
| XXXX |  | 2036779 | $XXX,XXX.XX A |
| XXXX |  | 2027355 | $XXX,XXX.XX D A |
| XXXX |  | 1995586 | $XXX,XXX.XX D C A |
| XXXX |  | 2013745 | $XXX,XXX.XX A |
| XXXX |  | 2033623 | $XXX,XXX.XX C A B |
| XXXX |  | 2024166 | $XXX,XXX.XX A |
| XXXX |  | 2033614 | $XXX,XXX.XX A |
| XXXX |  | 2022799 | $XXX,XXX.XX A |
| XXXX |  | 2036775 | $XXX,XXX.XX A |
| XXXX |  | 2027347 | $XXX,XXX.XX A |
| XXXX |  | 2011824 | $XXX,XXX.XX D C A |
| XXXX |  | 2016512 | $XXX,XXX.XX D A |
| XXXX |  | 2022800 | $XXX,XXX.XX A |
| XXXX |  | 2027358 | $XXX,XXX.XX A |
| XXXX |  | 2011827 | $XXX,XXX.XX A C |
| XXXX |  | 2033617 | $XXX,XXX.XX A |
| XXXX |  | 2027349 | $XXX,XXX.XX A |
| XXXX |  | 2022801 | $XXX,XXX.XX A |
| XXXX |  | 2027350 | $XXX,XXX.XX A |
| XXXX |  | 2027352 | $XXX,XXX.XX A |
| XXXX |  | 2033610 | $XXX,XXX.XX A |
| XXXX |  | 2011832 | $XXX,XXX.XX A |
| XXXX |  | 2033613 | $XXX,XXX.XX A |
| XXXX |  | 2016520 | $XXX,XXX.XX A B |
| XXXX |  | 2027354 | $XXX,XXX.XX A |
| XXXX |  | 2033609 | $XXX,XXX.XX A |
| XXXX |  | 2033612 | $XXX,XXX.XX A |
| XXXX |  | 2022802 | $XXX,XXX.XX A |
| XXXX |  | 2033608 | $XXX,XXX.XX A |
| XXXX |  | 2022803 | $XXX,XXX.XX B A |
| XXXX |  | 2022804 | $XXX,XXX.XX A |
| XXXX |  | 2022811 | $XXX,XXX.XX A |
| XXXX |  | 2033607 | $XXX,XXX.XX A |
| XXXX |  | 2016519 | $XXX,XXX.XX A B |
| XXXX |  | 2022806 | $XXX,XXX.XX A |
| XXXX |  | 2022805 | $XXX,XXX.XX A C |
| XXXX |  | 2027356 | $XXX,XXX.XX A |
| XXXX |  | 2022814 | $XXX,XXX.XX A |
| XXXX |  | 2027353 | $XXX,XXX.XX A |
| XXXX |  | 2033619 | $XXX,XXX.XX A B |
| XXXX |  | 2027348 | $XXX,XXX.XX A |
| XXXX |  | 2022807 | $XXX,XXX.XX A |
| XXXX |  | 2033618 | $XXX,XXX.XX D C A |
| XXXX |  | 2027357 | $XXX,XXX.XX A |
| XXXX |  | 2022812 | $XXX,XXX.XX A |
| XXXX |  | 2027351 | $XXX,XXX.XX D A |
| XXXX |  | 2033620 | $XXX,XXX.XX A |
| XXXX |  | 2027360 | $XXX,XXX.XX A |
| XXXX |  | 2033622 | $XXX,XXX.XX A |
| XXXX |  | 2033615 | $XXX,XXX.XX A |
| XXXX |  | 2022813 | $XXX,XXX.XX A |
| XXXX |  | 2036778 | $XXX,XXX.XX A |
| XXXX |  | 2033621 | $XXX,XXX.XX D A |
| XXXX |  | 2033616 | $XXX,XXX.XX D A |
| XXXX |  | 2036776 | $XXX,XXX.XX C A |
| XXXX |  | 2037741 | $XXX,XXX.XX A |
| XXXX |  | 2036780 | $XXX,XXX.XX A |
| XXXX |  | 2036777 | $XXX,XXX.XX A |

---

## Exhibit 99.35

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.35**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM DTI/Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX |  | 1969253 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.277 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20808.89 | N/A | Employed |  | Yes |  | No |  |
| XXXX |  | 2036785 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.124 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9792.21 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2036797 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2036793 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.15 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34545.87 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2036800 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2036781 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2036782 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2036794 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.45 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12895.32 | N/A | Employed | Employed | No | No | No |  |
| XXXX |  | 2036789 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.829 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 147103.58 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2036779 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2027355 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX |  | 1995586 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.14 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21274.43 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX |  | 2013745 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2033623 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2024166 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX |  | 2033614 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2022799 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2036775 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2027347 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2011824 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.13 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31113.87 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2016512 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.188 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15597.99 | N/A | Not Employed | Retired | No | No | No |  |
| XXXX |  | 2022800 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.051 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3728.78 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2027358 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2011827 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.084 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 117584.42 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2033617 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2027349 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2022801 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2027350 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2027352 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2033610 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2011832 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.555 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13109.64 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2033613 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2016520 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.858 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38279.22 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2027354 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2033609 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2033612 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX |  | 2022802 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2033608 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX |  | 2022803 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2022804 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2022811 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX |  | 2033607 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2016519 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.72 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3787.15 | N/A | Employed | Employed | No | No | No |  |
| XXXX |  | 2022806 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.388 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9864.73 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2022805 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.453 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5023.4 | N/A | Employed | Employed | No | No | No |  |
| XXXX |  | 2027356 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2022814 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2027353 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2033619 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.867 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 62592.06 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2027348 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.485 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34067.23 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2022807 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2033618 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0.0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 66745.35 | N/A | Employed |  | No |  | Yes | Present |
| XXXX |  | 2027357 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX |  | 2022812 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2027351 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | No | No | No | No | Yes | No | No | No | Not Tested | 0 | 7.8 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9639.81 | N/A | Employed |  | No |  | Yes | Present |
| XXXX |  | 2033620 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2027360 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2033622 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.813 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21052.08 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2033615 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2022813 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.749 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23318.68 | N/A | Not Employed | Employed | No | No | No |  |
| XXXX |  | 2036778 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2033621 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX |  | 2033616 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0.0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7209.42 | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX |  | 2036776 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.661 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15982 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2037741 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX |  | 2036780 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2036777 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.36

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.36**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** | **Maturity Date** |
| XXXX |  | 1969253 | Full Doc - Foreign National | Full Doc - Foreign National | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 9.277% |  | 8.875% | 8.875% | $5764.45 | No | $5225.28 | $435.44 | $7508.04 | $625.67 | $200.04 | $16.67 | $0.00 | $6842.23 | $20808.89 | N/A | XXXXX | XX | $16.67 | XX/XX/XXXX | Annually | 33.17% | 31.59% | 31.59% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 82.50% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified - 2024, 2023, 2022 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2023, 2022 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National | N/A | Real ID Driver's License |  | XX | USA | 05/31/2027 |  |  | I-551 Stamp and Passport |  | 06-08-2030 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 112951.58 | 16.5 | 112951.58 | 16.5 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 01-01-2055 |
| XXXX |  | 2036785 | XXX Corr Non-QM Alt Doc 30 Yr Fixed - EG | XXX Corr Non-QM Alt Doc 30 Yr Fixed - EG | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.700% | Manual Underwriting | Manual Underwriting | No | 8.124% |  | 7.875% | 7.875% | $7192.69 | No | $10142.16 | $845.18 | $1897.20 | $158.10 | $0.00 | $0.00 | $0.00 | $8195.97 | $9792.21 | N/A |  |  | $0.00 |  |  | 45.64% | 45.64% | 45.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 09/01/2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 40429.85 | 4.9 | 159750.10 | 19.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2036797 | DSCR | XXX Corr Non-QM Investor DSCR 30 Yr Fixed - EG | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1855.52 | No | $6686.40 | $557.20 | $1869.96 | $155.83 | $0.00 | $0.00 | $0.00 | $2568.55 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.363 | 1.363 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 08/29/2030 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20805.01 | 8.1 | 20805.01 | 8.1 | No | 52.31 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXX |  |  |  | 05-01-2055 |
| XXXX |  | 2036793 | XXX Corr Non-QM Alt Doc 30 Yr Fixed - EG | XXX Corr Non-QM Alt Doc 30 Yr Fixed - EG | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.740% | Manual Underwriting | Manual Underwriting | No | 9.150% |  | 8.750% | 8.750% | $4720.20 | No | $3000.00 | $250.00 | $2506.08 | $208.84 | $518.04 | $43.17 | $0.00 | $5222.21 | $34545.87 | N/A | XXXXX | XX | $43.17 | XX/XX/XXXX | Annually | 22.31% | 22.24% | 22.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss), SESoleProprietor, SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 692 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 12/10/2031 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34419.52 | 6.6 | 45098.52 | 8.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2036800 | DSCR | XXX Corr Non-QM Investor DSCR 30 Yr Fixed - EG | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines XX/XX/XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $1616.92 | No | $2452.32 | $204.36 | $2297.88 | $191.49 | $0.00 | $0.00 | $0.00 | $2012.77 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.49 | 1.322 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Permannet resident card | XX | United States | 09/14/2028 |  |  | I-551 Permanent Resident Card |  | 09-14-2028 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 10668.50 | 5.3 | 10668.50 | 5.3 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2036781 | DSCR | XXX Corr Non-QM Investor DSCR 30 Yr Fixed - EG | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $5181.05 | No | $14556.72 | $1213.06 | $2999.04 | $249.92 | $0.00 | $0.00 | $0.00 | $6644.03 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.039 | 1.038 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 01/26/2033 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 46488.44 | 7 | 46488.44 | 7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2036782 | DSCR | XXX Corr Non-QM Investor DSCR 30 Yr Fixed - EG | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $2408.73 | No | $4729.44 | $394.12 | $3515.16 | $292.93 | $0.00 | $0.00 | $0.00 | $3095.78 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.082 | 1.082 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 06/03/2031 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 52194.63 | 16.9 | 52194.63 | 16.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2036794 | XXX Corr Non-QM Alt Doc 30 Yr Fixed - EG | XXX Corr Non-QM Alt Doc 30 Yr Fixed - EG | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.740% | Manual Underwriting | Manual Underwriting | No | 8.450% |  | 8.250% | 8.250% | $4237.14 | No | $12662.04 | $1055.17 | $1836.00 | $153.00 | $0.00 | $0.00 | $0.00 | $5445.31 | $12895.32 | N/A |  |  | $0.00 |  |  | 49.99% | 49.99% | 49.99% | No | Yes |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 72.37% | 0.00% | 49.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 8 | 8 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025, 2024 \|\| Co Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 04/09/2032 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 10-17-2025 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 12483.98 | 2.3 | 104743.38 | 19.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2036789 | XXX Corr Non-QM Alt Doc 30 Yr Fixed - EG | XXX Corr Non-QM Alt Doc 30 Yr Fixed - EG | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.829% |  | 7.625% | 7.625% | $11147.75 | No | $13639.44 | $1136.62 | $5443.08 | $453.59 | $500.04 | $41.67 | $0.00 | $12779.63 | $147103.58 | N/A | XXXXX | XX | $41.67 | XX/XX/XXXX | Annually | 9.49% | 9.20% | 9.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 815 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 04/24/2026 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 96883.37 | 7.6 | 96883.37 | 7.6 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2036779 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $5662.35 | No | $18720.00 | $1560.00 | $1013.04 | $84.42 | $21492.00 | $1791.00 | $0.00 | $9097.77 |  | N/A | XXXXX | XX | $1791.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.044 | 1.032 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Passport |  | XX | People's Republic Of China | 04/27/2028 | People's Republic Of China | 04-27-2028 | I-551 Stamp and Passport |  | 03-03-2035 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 54808.73 | 6 | 54808.73 | 6 | No | 64.52 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 07-01-2055 |
| XXXX |  | 2027355 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $7883.15 | No | $33934.92 | $2827.91 | $13687.20 | $1140.60 | $0.00 | $0.00 | $0.00 | $11851.66 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes | 4 - Verified 2+ Mos |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | Unknown | Unknown | Unknown |  | .00 |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.16 | 1.16 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | 735 | 732 | 753 | 772 |  |  |  | 753 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 07/24/2025 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 10-27-2028 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 03-21-2026 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 40316.95 | 3.4 | 40316.95 | 3.4 | No | 63.16 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 1995586 | XXX 14 Prime Plus - 30yr Fixed | XXX 14 Prime Plus - 30yr Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.930% | Manual Underwriting | Manual Underwriting | No | 7.140% |  | 6.875% | 6.875% | $2435.89 | No | $7725.00 | $643.75 | $1982.04 | $165.17 | $0.00 | $0.00 | $0.00 | $3244.81 | $21274.43 | N/A |  |  | $0.00 |  |  | 37.21% | 30.73% | 30.73% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 04/21/2028 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 02-17-2029 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 30468.05 | 9.4 | 30468.05 | 9.4 | No | 60 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | 02-01-2055 |
| XXXX |  | 2013745 | XXX 12 Investor DSCR - 30yr Fixed | XXX 12 Investor DSCR - 30yr Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | $645.89 | No | $1080.96 | $90.08 | $1094.88 | $91.24 | $0.00 | $0.00 | $0.00 | $827.21 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.33 | 1.329 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 04/17/2028 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 6286.90 | 7.6 | 6286.90 | 7.6 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 05-01-2055 |
| XXXX |  | 2033623 | XXX 18 - 30yr Fixed NOO (5% PPP) | XXX 18 - 30yr Fixed NOO (5% PPP) | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $2155.23 | No | $5564.28 | $463.69 | $2129.04 | $177.42 | $1460.04 | $121.67 | $0.00 | $2918.01 |  | Yes | XXXXX | XX | $121.67 | XX/XX/XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.455 | 1.378 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | 10/02/2028 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 281894.04 | 105.4 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2024166 | XXX 12 Investor DSCR - 30yr Fixed | XXX 12 Investor DSCR - 30yr Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.500% | 9.500% | $630.98 | No | $596.04 | $49.67 | $912.00 | $76.00 | $0.00 | $0.00 | $0.00 | $756.65 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.454 | 1.454 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National | N/A | Passport |  | XX | Canada | 05/08/2034 | Canada | 05-08-2034 | N/A |  | 05-08-2034 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 40810.50 | 53.9 | 40810.50 | 53.9 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2033614 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | $918.84 | No | $4722.48 | $393.54 | $2128.68 | $177.39 | $0.00 | $0.00 | $0.00 | $1489.77 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.443 | 1.438 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | Yes - ITIN Letter/Certificate | Real ID Driver's License |  | XX | United States | 11/04/2027 |  |  | I-151 Permanent Resident Card |  | 06-27-2032 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 10652.33 | 7.2 | 10652.33 | 7.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 07-01-2055 |
| XXXX |  | 2022799 | XXX -18 Investor DSCR 6Mo Interest 30 YR Fixed | XXX -18 Investor DSCR 6Mo Interest 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $2927.66 | No | $5809.44 | $484.12 | $8984.64 | $748.72 | $0.00 | $0.00 | $0.00 | $4160.50 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.033 | 1.033 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 12/02/2032 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 225383.27 | 54.2 | 225383.27 | 54.2 | No | 59.94 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2036775 | XXX 18 Investor DSCR 1% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 1% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | $3785.16 | No | $6229.08 | $519.09 | $2313.96 | $192.83 | $0.00 | $0.00 | $0.00 | $4497.08 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1.001 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | 12/07/2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 33720.80 | 7.5 | No | 66.4 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 07-01-2055 |
| XXXX |  | 2027347 | XXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $2430.25 | No | $9108.36 | $759.03 | $2039.04 | $169.92 | $0.00 | $0.00 | $0.00 | $3359.20 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.027 | 1.027 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 01/19/2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 33499.90 | 10 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2011824 | XXX - 18 Prime 30 YR Fixed | XXX - 18 Prime 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.130% |  | 6.875% | 6.875% | $3120.41 | No | $10287.24 | $857.27 | $22350.00 | $1862.50 | $0.00 | $0.00 | $0.00 | $5840.18 | $31113.87 | N/A |  |  | $0.00 |  |  | 42.39% | 42.55% | 42.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | No | Yes | 0 | 11 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 08/30/2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | .00 | 0 | No | 21.59 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 05-01-2055 |
| XXXX |  | 2016512 | XXX - 18 Prime 30 YR Fixed | XXX - 18 Prime 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.188% |  | 6.875% | 6.875% | $6930.60 | No | $12797.88 | $1066.49 | $3213.00 | $267.75 | $6132.00 | $511.00 | $1915.67 | $10691.51 | $15597.99 | N/A | XXXXX | XX | $511.00 | XX/XX/XXXX | Annually | 49.87% | 48.72% | 48.72% | No | Yes | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | 3 - Stated, Partially Verified | 5 - Stated, 2YRs Verified + CPA Letter | 1 - Not Stated, Not Verified | 3 - Stated, 3rd Party Verification | Not Employed | Retired | Retired | Employed | .00 | 1.30 | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 NA | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other, Child Support - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Separation Agreement Verified - 2025, 2024 \|\| Co Borrower - Retirement - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2024, 2025 \|\| Co Borrower 2 - Retirement - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - 2024 - 2024 \|\| Co Borrower 3 - Wage, Overtime and Bonus - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower 2 - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 \|\| Co Borrower 3 - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024, 2023 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 771 | 750 | 774 | 743 | 771 | 775 | 730 | 750 | 771 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 10/02/2031 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 11-05-2026 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 11-05-2026 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 06-10-2027 |  |  | N/A |  |  | Fee Simple |  | No | Yes | N/A | 80427.84 | 7.5 | 80427.84 | 7.5 | No | 78.15 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | Borrower As Individual |  |  |  |  | 05-01-2055 |
| XXXX |  | 2022800 | XXX - 18 Prime 30 YR Fixed | XXX - 18 Prime 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.810% | Manual Underwriting | Manual Underwriting | No | 7.051% |  | 6.750% | 6.750% | $2756.54 | No | $3340.20 | $278.35 | $4078.68 | $339.89 | $1200.00 | $100.00 | $0.00 | $3474.78 | $3728.78 | N/A | XXXXX | XX | $100.00 | XX/XX/XXXX | Monthly | 49.59% | 49.59% | 49.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 1 NA |  | No | Yes | 36 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 3 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Asset Depletion - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 11/01/2028 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 4193.64 | 1.2 | No | 50 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2027358 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $884.74 | No | $756.00 | $63.00 | $566.04 | $47.17 | $6420.00 | $535.00 | $0.00 | $1529.91 |  | Yes | XXXXX | XX | $535.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.046 | 1.046 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 11/11/2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 113877.01 | 74.4 | No | 58.14 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2011827 | XXX - 18 Prime Minus 30 YR Fixed | XXX - 18 Prime Minus 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.650% | Manual Underwriting | Manual Underwriting | No | 8.084% |  | 7.875% | 7.875% | $14465.13 | No | $9753.72 | $812.81 | $5364.96 | $447.08 | $0.00 | $0.00 | $0.00 | $15725.02 | $117584.42 | N/A |  |  | $0.00 |  |  | 19.14% | 19.14% | 19.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 25.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 654 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 03/31/2048 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 566040.45 | 36 | 2514919.51 | 159.9 | No | 61.38 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 05-01-2055 |
| XXXX |  | 2033617 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.125% | 9.125% | $793.29 | No | $3679.20 | $306.60 | $1572.96 | $131.08 | $0.00 | $0.00 | $0.00 | $1230.97 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.219 | 1.219 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | 10/30/2026 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 42132.85 | 34.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 07-01-2055 |
| XXXX |  | 2027349 | XXX 18 Investor DSCR 5% Fixed IO PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed IO PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | $1148.44 | No | $6709.56 | $559.13 | $2187.00 | $182.25 | $2340.00 | $195.00 | $0.00 | $2084.82 |  | Yes | XXXXX | XX | $195.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.007 | 1.007 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | 10/30/2026 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 34628.77 | 16.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2022801 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1201.77 | No | $797.16 | $66.43 | $1581.00 | $131.75 | $0.00 | $0.00 | $0.00 | $1399.95 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.242 | 1.142 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 11/20/2026 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 46364.53 | 33.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2027350 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $1316.00 | No | $4428.84 | $369.07 | $1254.84 | $104.57 | $0.00 | $0.00 | $0.00 | $1789.64 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.014 | 1.014 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | 07/02/2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 169454.99 | 94.7 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2027352 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $2021.16 | No | $4404.84 | $367.07 | $845.04 | $70.42 | $1212.00 | $101.00 | $0.00 | $2559.65 |  | N/A | XXXXX | XX | $101.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.055 | 1.054 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | 05/07/2026 |  |  | I-151 Permanent Resident Card |  | 07-18-2033 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 288515.65 | 112.7 | No | 64.1 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2033610 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $3069.63 | No | $4731.24 | $394.27 | $1409.04 | $117.42 | $0.00 | $0.00 | $0.00 | $3581.32 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.089 | 1.089 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 02/14/2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 242577.43 | 67.7 | 242577.43 | 67.7 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 07-01-2055 |
| XXXX |  | 2011832 | XXX 18 Prime 30 YR Fixed | XXX 18 Prime 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v3 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.555% |  | 7.375% | 7.375% | $7183.02 | No | $14552.04 | $1212.67 | $4831.80 | $402.65 | $5456.04 | $454.67 | $0.00 | $9253.01 | $13109.64 | N/A | XXXXX | XX | $454.67 | XX/XX/XXXX | Monthly | 48.18% | 48.02% | 48.02% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - 2025 - 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 - 2025 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | 11/17/2025 |  |  | I-151 Permanent Resident Card |  | 03-07-2027 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 140002.56 | 15.1 | 140002.56 | 15.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 05-01-2055 |
| XXXX |  | 2033613 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $837.46 | No | $2976.36 | $248.03 | $2572.80 | $214.40 | $0.00 | $0.00 | $0.00 | $1299.89 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 09/27/2029 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 106044.59 | 81.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2016520 | XXX 18 Prime 30 YR Fixed | XXX 18 Prime 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.810% | Manual Underwriting | Manual Underwriting | No | 7.858% |  | 7.625% | 7.625% | $8599.69 | No | $12839.64 | $1069.97 | $7796.04 | $649.67 | $3000.00 | $250.00 | $0.00 | $10569.33 | $38279.22 | N/A | XXXXX | XX | $250.00 | XX/XX/XXXX | Monthly | 37.23% | 37.23% | 37.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 04/09/2026 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 400750.95 | 37.9 | No | 74.77 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 05-01-2055 |
| XXXX |  | 2027354 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $4102.95 | No | $15523.92 | $1293.66 | $6352.56 | $529.38 | $0.00 | $0.00 | $0.00 | $5925.99 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.208 | 1.208 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 03/02/2028 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 470201.43 | 79.4 | 470201.43 | 79.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2033609 | XXX 18 Investor DSCR 30 YR Fixed | XXX 18 Investor DSCR 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | $737.53 | No | $2306.52 | $192.21 | $1173.00 | $97.75 | $0.00 | $0.00 | $0.00 | $1027.49 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.265 | 1.265 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | 07/10/2028 |  |  | Employment Authorization Document (I-821D) |  | 06-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 38959.25 | 37.9 | 38959.25 | 37.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 07-01-2055 |
| XXXX |  | 2033612 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1544.39 | No | $1970.28 | $164.19 | $2167.08 | $180.59 | $0.00 | $0.00 | $0.00 | $1889.17 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.058 | 1.058 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 02/19/2032 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 05-02-2030 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 41736.98 | 22.1 | 41736.98 | 22.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2022802 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1414.16 | No | $3937.56 | $328.13 | $1028.04 | $85.67 | $0.00 | $0.00 | $0.00 | $1827.96 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.19 | 1.19 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 07/11/2030 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 52110.73 | 28.5 | 52110.73 | 28.5 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2033608 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $12570.29 | No | $18316.08 | $1526.34 | $2706.00 | $225.50 | $0.00 | $0.00 | $0.00 | $14322.13 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.047 | 1.047 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Permannet resident card | XX | United States | 10/05/2031 |  |  | I-151 Permanent Resident Card |  | 10-05-2031 | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Permannet resident card | XX | United States | 10-05-2031 |  |  | I-551 Permanent Resident Card |  | 10-05-2031 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 671942.39 | 46.9 | 671942.39 | 46.9 | No | 59.97 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2022803 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1414.16 | No | $3937.56 | $328.13 | $1028.04 | $85.67 | $0.00 | $0.00 | $0.00 | $1827.96 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.094 | 1.094 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 07/11/2030 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 51116.22 | 28 | 51116.22 | 28 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2022804 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1436.16 | No | $3998.76 | $333.23 | $1028.04 | $85.67 | $0.00 | $0.00 | $0.00 | $1855.06 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.132 | 1.132 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 07/11/2030 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 53912.19 | 29.1 | 53912.19 | 29.1 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2022811 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | $1484.99 | No | $1267.56 | $105.63 | $2337.00 | $194.75 | $0.00 | $0.00 | $0.00 | $1785.37 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.344 | 1.34 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 811 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XX | United States | 09/12/2027 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XX | United States | 10-05-2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 17520.73 | 9.8 | 17520.73 | 9.8 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2033607 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $2660.49 | No | $16896.00 | $1408.00 | $3234.00 | $269.50 | $0.00 | $0.00 | $0.00 | $4337.99 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.268 | 1.268 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | 02/25/2029 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 143743.01 | 33.1 | 143743.01 | 33.1 | No | 42.9 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2016519 | XXX 18 Prime 30 YR Fixed | XXX 18 Prime 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.700% | Manual Underwriting | Manual Underwriting | No | 7.720% |  | 7.375% | 7.375% | $2174.94 | No | $7228.92 | $602.41 | $981.00 | $81.75 | $450.00 | $37.50 | $0.00 | $2896.60 | $3787.15 | N/A | XXXXX | XX | $37.50 | XX/XX/XXXX | Annually | 48.19% | 48.70% | 48.70% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 1 | 1 NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 100.00% | 0.00% | 0.00% |  | Borrower Prepared | 4 | Borrower | Borrower Prepared | Borrower | 4 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 \|\| Co Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | 12/20/2030 |  |  | I-551 Permanent Resident Card |  | 12-09-2033 | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | 01-01-2031 |  |  | I-151 Permanent Resident Card |  | 12-09-2033 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 45957.49 | 15.9 | 45957.49 | 15.9 | No | 67.73 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2022806 | XXX 18 Prime 30 YR Fixed | XXX 18 Prime 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.810% | Manual Underwriting | Manual Underwriting | No | 8.388% |  | 8.000% | 8.000% | $4428.27 | No | $8874.96 | $739.58 | $2048.16 | $170.68 | $0.00 | $0.00 | $0.00 | $5338.53 | $9864.73 | N/A |  |  | $0.00 |  |  | 36.68% | 37.11% | 37.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 10/14/2028 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 82445.77 | 15.4 | 82445.77 | 15.4 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2022805 | XXX 18 Prime 30 YR Fixed | XXX 18 Prime 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.700% | Manual Underwriting | Manual Underwriting | No | 7.453% |  | 7.125% | 7.125% | $2048.10 | No | $4749.96 | $395.83 | $1124.04 | $93.67 | $78.96 | $6.58 | $0.00 | $2544.18 | $5023.40 | N/A | XXXXX | XX | $6.58 | XX/XX/XXXX | Annually | 40.19% | 40.19% | 40.19% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 02/08/2030 |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | 10-10-2030 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 52239.52 | 20.5 | 52239.52 | 20.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2027356 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1466.68 | No | $5886.12 | $490.51 | $2384.04 | $198.67 | $0.00 | $0.00 | $0.00 | $2155.86 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.206 | 1.206 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 10/20/2030 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 196662.03 | 91.2 | No | 67.19 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2022814 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1139.61 | No | $3343.68 | $278.64 | $1741.92 | $145.16 | $0.00 | $0.00 | $0.00 | $1563.41 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.215 | 1.215 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 10/20/2030 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 153693.61 | 98.3 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2027353 | XXX 18 Investor DSCR 4% Fixed PPP 30 YR Fixed I/O | XXX 18 Investor DSCR 4% Fixed PPP 30 YR Fixed I/O | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.625% | 8.625% | $1309.92 | No | $2024.64 | $168.72 | $1568.04 | $130.67 | $0.00 | $0.00 | $0.00 | $1609.31 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.056 | 1.243 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 03/03/2029 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 9384.78 | 5.8 | 9384.78 | 5.8 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2033619 | XXX 18 Prime 30 YR Fixed | XXX 18 Prime 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting | XXXX | XX/XX/XXXX | v4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.800% | Manual Underwriting | Manual Underwriting | No | 7.867% |  | 7.500% | 7.500% | $3635.36 | No | $1753.20 | $146.10 | $3335.04 | $277.92 | $0.00 | $0.00 | $0.00 | $4059.38 | $62592.06 | N/A |  |  | $0.00 |  |  | 10.17% | 10.17% | 10.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss), SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2023, 2022 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2023, 2022 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 08/28/2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 32253.18 | 8 | 32253.18 | 8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2027348 | XXX 18 Prime 30 YR Fixed | XXX 18 Prime 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.810% | Manual Underwriting | Manual Underwriting | No | 7.485% |  | 7.250% | 7.250% | $6821.76 | No | $33911.04 | $2825.92 | $19995.00 | $1666.25 | $0.00 | $0.00 | $0.00 | $11313.93 | $34067.23 | N/A |  |  | $0.00 |  |  | 31.57% | 31.57% | 31.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 07/18/2025 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 26197.93 | 2.3 | 116481.76 | 10.3 | No | 43.48 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2022807 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.250% | 8.250% | $1972.07 | No | $718.92 | $59.91 | $4889.76 | $407.48 | $0.00 | $0.00 | $0.00 | $2439.46 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.64 | 1.819 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 01/15/2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 57865.41 | 23.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2033618 | XXX 18 Prime Minus Investment Grade A 5% 30 YR Fixed | XXX 18 Prime Minus Investment Grade A 5% 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 7.375% | 7.375% | $13468.17 | No | $8358.60 | $696.55 | $2560.68 | $213.39 | $7200.00 | $600.00 | $0.00 | $14978.11 | $66745.35 | N/A | XXXXX | XX | $600.00 | XX/XX/XXXX | Monthly | 48.02% | 48.02% | 48.02% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 09/20/2025 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 362434.86 | 24.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2027357 | XXX 18 Investor DSCR PPP 30 YR Fixed | XXX 18 Investor DSCR PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $3444.74 | No | $8322.84 | $693.57 | $3483.96 | $290.33 | $0.00 | $0.00 | $0.00 | $4428.64 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.084 | 1.084 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 09/30/2028 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 01-25-2029 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 156573.84 | 35.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2022812 | XXX 18 Investor DSCR 4% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 4% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $2363.35 | No | $3634.44 | $302.87 | $1775.04 | $147.92 | $0.00 | $0.00 | $0.00 | $2814.14 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.031 | 1.031 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | 05/31/2028 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1153553.23 | 409.9 | 1153553.23 | 409.9 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2027351 | XXX 18 Prime Minus Investment Grade A 5% 30 YR Fixed | XXX 18 Prime Minus Investment Grade A 5% 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V4 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.800% |  | 7.375% | 7.375% | $1215.59 | No | $5090.64 | $424.22 | $1190.04 | $99.17 | $0.00 | $0.00 | $0.00 | $1738.98 | $9639.81 | N/A |  |  | $0.00 |  |  | 43.57% | 43.57% | 43.57% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 02/04/2031 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 237718.39 | 136.7 | 237718.39 | 136.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2033620 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.250% | 8.250% | $805.73 | No | $4030.92 | $335.91 | $1400.04 | $116.67 | $0.00 | $0.00 | $0.00 | $1258.31 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.51 | 1.492 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 02/12/2029 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 29075.96 | 23.1 | 29075.96 | 23.1 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2027360 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $924.46 | No | $1763.16 | $146.93 | $3406.92 | $283.91 | $0.00 | $0.00 | $0.00 | $1355.30 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.527 | 1.92 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 05/28/2029 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 9140.45 | 6.7 | 9140.45 | 6.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2033622 | XXX 18 Prime 30 YR Fixed | XXX 18 Prime 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.813% |  | 7.500% | 7.500% | $4749.06 | No | $10432.44 | $869.37 | $2134.44 | $177.87 | $2067.96 | $172.33 | $0.00 | $5968.63 | $21052.08 | N/A | XXXXX | XX | $172.33 | XX/XX/XXXX | Annually | 29.26% | 27.83% | 27.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 07/24/2029 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 81952.94 | 13.7 | 81952.94 | 13.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 07-01-2055 |
| XXXX |  | 2033615 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1258.59 | No | $6043.08 | $503.59 | $2217.60 | $184.80 | $0.00 | $0.00 | $0.00 | $1946.98 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.168 | 1.168 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 07/26/2030 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 13131.78 | 6.7 | 13131.78 | 6.7 | No | 63.16 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2022813 | XXX 18 Prime 30 YR Fixed | XXX 18 Prime 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.740% | Manual Underwriting | Manual Underwriting | No | 7.749% |  | 7.375% | 7.375% | $3108.04 | No | $7640.04 | $636.67 | $1941.96 | $161.83 | $0.00 | $0.00 | $0.00 | $3906.54 | $23318.68 | N/A |  |  | $0.00 |  |  | 32.93% | 32.93% | 32.93% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified \|\| Co Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 03/27/2028 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 04-16-2026 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 435449.23 | 111.5 | No | 60.81 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2036778 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $2394.44 | No | $12668.76 | $1055.73 | $1716.24 | $143.02 | $0.00 | $0.00 | $0.00 | $3593.19 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.113 | 1.113 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | 07/01/2030 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 82984.67 | 23.1 | 82984.67 | 23.1 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 07-01-2055 |
| XXXX |  | 2033621 | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $5318.20 | No | $5244.60 | $437.05 | $2519.04 | $209.92 | $0.00 | $0.00 | $0.00 | $5965.17 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.251 | 1.251 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | 06/06/2027 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XX | United States | 12-30-2031 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 182795.69 | 30.6 | 182795.69 | 30.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2033616 | XXX 18 Prime Minus Investment Grade A 5% 30 YR Fixed | XXX 18 Prime Minus Investment Grade A 5% 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V4 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 0.000% | $0.00 | 7.875% | 7.875% | $1305.12 | No | $4207.92 | $350.66 | $2054.76 | $171.23 | $300.00 | $25.00 | $0.00 | $1852.01 | $7209.42 | N/A | XXXXX | XX | $25.00 | XX/XX/XXXX | Annually | 43.56% | 43.58% | 43.58% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 1 | 2 NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | Work Number | Yes | 24 | 24 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 08/21/2031 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 03-26-2029 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 1961.65 | 1.1 | 23242.91 | 12.6 | No | 74.38 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | 07-01-2055 |
| XXXX |  | 2036776 | XXX 18 Prime 30 YR Fixed | XXX 18 Prime 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.661% |  | 7.375% | 7.375% | $4392.69 | No | $13268.04 | $1105.67 | $4995.96 | $416.33 | $251.04 | $20.92 | $0.00 | $5935.61 | $15982.00 | N/A | XXXXX | XX | $20.92 | XX/XX/XXXX | Annually | 30.92% | 29.54% | 29.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 04/17/2026 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 288990.49 | 48.7 | 288990.49 | 48.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 07-01-2055 |
| XXXX |  | 2037741 | XXX 12 Investor DSCR - 30yr Fixed (5% Fixed Prepay) | XXX 12 Investor DSCR - 30yr Fixed (5% Fixed Prepay) | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX - Master | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $2641.83 | No | $3537.00 | $294.75 | $3364.32 | $280.36 | $0.00 | $0.00 | $0.00 | $3216.94 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.057 | 1.057 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 08/30/2029 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 12-27-2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 211893.83 | 65.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  | 06-01-2055 |
| XXXX |  | 2036780 | XXX 16 - 30yr Fixed NOO (5% PPP) | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $5801.67 | No | $13273.20 | $1106.10 | $11137.68 | $928.14 | $0.00 | $0.00 | $0.00 | $7835.91 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.136 | 1.136 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | 06/10/2026 |  |  | Work Visa |  | 08-27-2028 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 195573.91 | 25.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 07-01-2055 |
| XXXX |  | 2036777 | XXX 18 Investor DSCR 6Mo Interest 30 YR Fixed | XXX 18 Investor DSCR 6Mo Interest 30 YR Fixed | XXXX | No | XXXX NonQM Underwriting and Sales Guide XX/XX/XXXX | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1875.98 | No | $8241.36 | $686.78 | $1376.40 | $114.70 | $16691.52 | $1390.96 | $0.00 | $4068.42 |  | Yes | XXXXX | XX | $1390.96 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.057 | 1.057 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | 07/30/2031 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 22774.73 | 5.6 | 87526.34 | 21.5 | No | 39.29 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 07-01-2055 |

---

## Exhibit 99.37

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.37**

---

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| **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX |  | 2036797 | XXXXX | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3500 | Appraisal - 1007 | No | 73.39 | 1.363 | 1.363 | 2568.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21000 |  |  |  | 3500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.1 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2036800 | XXXXX | DSCR | Debt Service Coverage Ratio | Present | Yes | 3000 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3000 | Actual In Place Rent | No | 67.09 | 1.322 | 1.49 | 2012.77 | 3000 | XX/XX/XXXX | 60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27500 |  |  |  | 3000 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 5.3 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2036781 | XXXXX | DSCR | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 6900 | Appraisal - 1025 |  |  |  |  | 6900 | Appraisal - 1025 | No | 96.29 | 1.038 | 1.039 | 6644.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120000 |  | 0 |  | 6900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2036782 | XXXXX | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 3350 | Appraisal - 1025 |  |  |  |  | 3350 | Appraisal - 1025 | No | 92.41 | 1.082 | 1.082 | 3095.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23300 |  |  |  | 3350 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.86 | No |  |  | Vested Individual | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2036779 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 9500 | Appraisal - 1007 |  |  |  |  | 9500 | Appraisal - 1007 | No | 95.77 | 1.032 | 1.044 | 9097.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  | 9500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.02 | No |  |  | Vested Individual | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2027355 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 13750 | Appraisal - 1007 |  | N/A |  |  | 13750 | Appraisal - 1007 | No | 86.19 | 1.16 | 1.16 | 11851.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 272500 |  |  |  | 13750 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 3.4 | No |  |  | Vested Individual | XXXXXX | XXXXXXX | Vested Individual | XXXXXX | XXXXXXX | Vested Individual | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2013745 | XXXXX | XXX 12 Investor DSCR - 30yr Fixed | Debt Service Coverage Ratio | Present | No | 0 | 1100 | Appraisal - 1007 |  |  |  |  | 1100 | Appraisal - 1007 | No | 75.2 | 1.329 | 1.33 | 827.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 1100 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 7.6 | No |  |  | Vested Individual | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2033623 | XXXXX | XXX 18 - 30yr Fixed NOO (5% PPP) | Debt Service Coverage Ratio | Present | No | 0 | 4246.71 | Appraisal - 1007 |  |  |  |  | 4246.71 | Appraisal - 1007 | No | 68.71 | 1.378 | 1.455 | 2918.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50960 |  |  |  | 4246.71 |  |  |  |  |  |  |  | No | 1.2 | 1 | 1 | N/A | 105.44 | No |  |  | Vested Individual | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2024166 | XXXXX | XXX 12 Investor DSCR - 30yr Fixed | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 1100 | Appraisal - 1007 |  |  |  |  | 1100 | Appraisal - 1007 | No | 68.79 | 1.454 | 1.454 | 756.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 7000 |  |  |  | 1100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 53.94 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2033614 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 650 | 2150 | Appraisal - Narrative |  |  |  |  | 2150 | Appraisal - Narrative | No | 69.29 | 1.438 | 1.443 | 1489.77 | 650 | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 56607 |  |  |  | 2150 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 7.15 | No |  |  | Vested Individual | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2022799 | XXXXX | XXX -18 Investor DSCR 6Mo Interest 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 4300 | Appraisal - 1007 | 4296.99 | Airbnb | 1 |  | 4296.99 | Airbnb | Yes | 96.82 | 1.033 | 1.033 | 4160.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 41000 |  |  |  | 4296.99 |  |  |  |  |  |  |  | No | 1.7 | 1 | 1 | N/A | 54.17 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2036775 | XXXXX | XXX 18 Investor DSCR 1% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 3500 | 4500 | Appraisal - 1025 |  |  |  |  | 4500 | Appraisal - 1025 | No | 99.94 | 1.001 | 1.001 | 4497.08 |  |  |  | 3500 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 220500 |  |  |  | 4500 |  |  |  |  |  |  | No | No | 1.7 | 1 | 1 | N/A | 7.5 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2027347 | XXXXX | XXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 1690 | 3450 | Appraisal - 1007 |  | N/A |  |  | 3450 | Appraisal - 1007 | No | 97.37 | 1.027 | 1.027 | 3359.2 |  |  |  | 1690 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29434 |  |  |  | 3450 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 9.97 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2027358 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 1500 | 1600 | Appraisal - 1007 |  |  |  |  | 1600 | Appraisal - 1007 | No | 95.62 | 1.046 | 1.046 | 1529.91 | 1500 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10000 |  |  |  | 1600 |  |  |  |  |  |  | No | No | 2.9 | 1 | 1 | N/A | 74.43 | No |  |  | Vested Individual | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2033617 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 1500 | 1550 | Appraisal - 1007 |  |  |  |  | 1500 | Actual In Place Rent | No | 82.06 | 1.219 | 1.219 | 1230.97 | 1500 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21496 |  |  |  | 1500 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 34.23 | Yes | XXXXXX | Corporation | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2027349 | XXXXX | XXX 18 Investor DSCR 5% Fixed IO PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 2500 | 2100 | Appraisal - 1007 |  |  |  |  | 2100 | Appraisal - 1007 | No | 99.28 | 1.007 | 1.007 | 2084.82 | 2500 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30866 |  |  |  | 2100 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 16.61 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2022801 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 1739 | 1800 | Appraisal - 1007 |  |  |  |  | 1739 | Actual In Place Rent | No | 80.5 | 1.142 | 1.242 | 1399.95 | 1739 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30900 |  |  |  | 1739 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 33.12 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2027350 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 2000 | 1815 | Appraisal - 1007 |  |  |  |  | 1815 | Appraisal - 1007 | No | 98.6 | 1.014 | 1.014 | 1789.64 | 2000 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  | 1815 |  |  |  |  |  |  | No | No | 11.6 | 1 | 1 | N/A | 94.69 | No |  |  | Vested Individual | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2027352 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 2825 | 2700 | Appraisal - 1007 |  |  |  |  | 2700 | Appraisal - 1007 | No | 94.8 | 1.054 | 1.055 | 2559.65 | 2825 | XX/XX/XXXX | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33000 |  |  |  | 2700 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 112.72 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2033610 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 3900 | Appraisal - 1007 |  |  |  |  | 3900 | Appraisal - 1007 | No | 91.83 | 1.089 | 1.089 | 3581.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 91200 |  |  |  | 3900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 67.73 | No |  |  | Vested Individual | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2033613 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 1300 | 1300 | Appraisal - 1007 |  | N/A |  |  | 1300 | Actual In Place Rent | No | 99.99 | 1 | 1 | 1299.89 | 1300 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14000 |  |  |  | 1300 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 81.58 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2027354 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 7158 | 7650 | Appraisal - 1007 |  | N/A |  |  | 7158 | Actual In Place Rent | No | 82.79 | 1.208 | 1.208 | 5925.99 | 2450 | XX/XX/XXXX | 12 | 2758 | XX/XX/XXXX | 12 | 1950 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 150000 |  |  |  | 7158 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 79.35 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2033609 | XXXXX | XXX 18 Investor DSCR 30 YR Fixed | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 1300 | Appraisal - 1007 |  |  |  |  | 1300 | Appraisal - 1007 | No | 79.04 | 1.265 | 1.265 | 1027.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12329.88 |  |  |  | 1300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 37.92 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2033612 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 1999 | Appraisal - 1007 |  |  |  |  | 1999 | Appraisal - 1007 | No | 94.51 | 1.058 | 1.058 | 1889.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35000 |  |  |  | 1999 |  |  |  |  |  |  |  | No | 0.6 | 1 | 1 | N/A | 22.09 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2022802 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 2175 | Appraisal - 1007 |  |  |  |  | 2175 | Appraisal - 1007 | No | 84.04 | 1.19 | 1.19 | 1827.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30700 |  |  |  | 2175 |  |  |  |  |  |  |  | No | 3.8 | 1 | 1 | N/A | 28.51 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2033608 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 15000 | Appraisal - 1007 |  | N/A |  |  | 15000 | Appraisal - 1007 | No | 95.48 | 1.047 | 1.047 | 14322.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 180000 |  |  |  | 15000 |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 46.92 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2022803 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  |  |  |  | 2000 | Appraisal - 1007 | No | 91.4 | 1.094 | 1.094 | 1827.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30700 |  |  |  | 2000 |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 27.96 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2022804 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1007 |  |  |  |  | 2100 | Appraisal - 1007 | No | 88.34 | 1.132 | 1.132 | 1855.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30700 |  | 319900 |  | 2100 |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 29.06 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2022811 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 2400 | Appraisal - 1007 |  |  |  |  | 2400 | Appraisal - 1007 | No | 74.39 | 1.34 | 1.344 | 1785.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45420 |  |  |  | 2400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.81 | No |  |  | Vested Individual | XXXXXX | XXXXXXX | Vested Individual | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2033607 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 5500 | 6000 | Appraisal - 1007 |  |  |  |  | 5500 | Actual In Place Rent | No | 78.87 | 1.268 | 1.268 | 4337.99 | 5500 | XX/XX/XXXX | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 150600 |  |  |  | 5500 |  |  |  |  |  |  | No | No | 2.9 | 1 | 1 | N/A | 33.14 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2027356 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 2300 | 2600 | Appraisal - 1025 |  | N/A |  |  | 2600 | Appraisal - 1025 | No | 82.92 | 1.206 | 1.206 | 2155.86 | 1150 | XX/XX/XXXX | 24 | 1150 | XX/XX/XXXX | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32100 |  |  |  | 2600 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 91.22 | No |  |  | Vested Individual | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2022814 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 1950 | 1900 | Appraisal - 1007 |  |  |  |  | 1900 | Appraisal - 1007 | No | 82.28 | 1.215 | 1.215 | 1563.41 | 1950 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11700 |  | 0 |  | 1900 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 98.31 | No |  |  | Vested Individual | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2027353 | XXXXX | XXX 18 Investor DSCR 4% Fixed PPP 30 YR Fixed I/O | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Appraisal - 1007 | No | 94.67 | 1.243 | 1.056 | 1609.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28000 |  |  |  | 1700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 5.83 | No |  |  | Vested Individual | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2022807 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 4000 | 4000 | Appraisal - 1007 |  | N/A |  |  | 4000 | Actual In Place Rent | No | 60.99 | 1.819 | 1.64 | 2439.46 | 1500 | XX/XX/XXXX | 12 | 1300 | XX/XX/XXXX | 12 | 1200 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24000 |  |  |  | 4000 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 23.72 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2033618 | XXXXX | XXX 18 Prime Minus Investment Grade A 5% 30 YR Fixed | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 14978.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45000 |  | 0 |  |  |  |  |  |  |  |  |  | No | 0.8 | 2 | 1 | N/A | 24.2 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2027357 | XXXXX | XXX 18 Investor DSCR PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 4800 | 5250 | Appraisal - 1007 |  |  |  |  | 4800 | Actual In Place Rent | No | 92.26 | 1.084 | 1.084 | 4428.64 | 1650 | XX/XX/XXXX | 1 | 1650 | XX/XX/XXXX | 1 | 1500 | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 81000 |  |  |  | 4800 |  |  |  |  |  |  | No | No | 5.2 | 1 | 1 | N/A | 35.35 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2022812 | XXXXX | XXX 18 Investor DSCR 4% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 2900 | Appraisal - 1007 |  |  |  |  | 2900 | Appraisal - 1007 | No | 97.04 | 1.031 | 1.031 | 2814.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34800 |  |  |  | 2900 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 409.91 | No |  |  | Vested Individual | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2027351 | XXXXX | XXX 18 Prime Minus Investment Grade A 5% 30 YR Fixed | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1738.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 136.7 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2033620 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1025 |  |  |  |  | 1900 | Appraisal - 1025 | No | 66.23 | 1.492 | 1.51 | 1258.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12000 |  |  |  | 1900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 23.11 | No |  |  | Vested Individual | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2027360 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 2070 | 2400 | Appraisal - 1025 |  |  |  |  | 2070 | Actual In Place Rent | No | 65.47 | 1.92 | 1.527 | 1355.3 | 1300 | XX/XX/XXXX | 12 | 770 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24840 |  |  |  | 2070 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 6.74 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2033615 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 2275 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2275 | Actual In Place Rent | No | 85.58 | 1.168 | 1.168 | 1946.98 | 2275 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25400 |  |  |  | 2275 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 6.74 | No |  |  | Vested Individual | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2036778 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 4000 | Appraisal - 1007 |  |  |  |  | 4000 | Appraisal - 1007 | No | 89.83 | 1.113 | 1.113 | 3593.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 87000 |  |  |  | 4000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 23.1 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2033621 | XXXXX | XXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 6220 | 7464 | Appraisal - 1025 |  |  |  |  | 7464 | Appraisal - 1025 | No | 79.92 | 1.251 | 1.251 | 5965.17 | 1545 | XX/XX/XXXX | 12 | 1655 | XX/XX/XXXX | 1 | 1395 | XX/XX/XXXX | 12 | 1625 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 45000 |  |  |  | 7464 |  |  |  |  |  |  | No | No | 9.9 | 1 | 1 | N/A | 30.64 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2033616 | XXXXX | XXX 18 Prime Minus Investment Grade A 5% 30 YR Fixed | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1852.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  |  |  |  |  |  |  |  |  | No | 0.7 | 1 | 1 | N/A | 12.55 | No |  |  | Vested Individual | XXXXXX | XXXXXXX | Vested Individual | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2037741 | XXXXX | XXX 12 Investor DSCR - 30yr Fixed (5% Fixed Prepay) | Debt Service Coverage Ratio | Present | Yes | 3600 | 3400 | Appraisal - 1007 |  | N/A |  |  | 3400 | Appraisal - 1007 | No | 94.62 | 1.057 | 1.057 | 3216.94 | 3600 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24700 |  |  |  | 3400 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 65.87 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2036780 | XXXXX | XXX 16 - 30yr Fixed NOO (5% PPP) | Debt Service Coverage Ratio | Present | Yes | 8900 | 8900 | Appraisal - 1025 |  |  |  |  | 8900 | Appraisal - 1025 | No | 88.04 | 1.136 | 1.136 | 7835.91 | 3150 | XX/XX/XXXX | 12 | 3200 | XX/XX/XXXX | 12 | 2550 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 75400 |  |  |  | 8900 |  |  |  |  |  |  | No | No | 1.6 | 1 | 1 | N/A | 25.32 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX-XXXXXXX |
| XXXX |  | 2036777 | XXXXX | XXX 18 Investor DSCR 6Mo Interest 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 4300 | Appraisal - 1007 |  | N/A |  |  | 4300 | Appraisal - 1007 | No | 94.61 | 1.057 | 1.057 | 4068.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27000 |  |  |  | 4300 |  |  |  |  |  |  |  | No | 4.5 | 1 | 1 | N/A | 21.51 | No |  |  | Vested Individual | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |

---

## Exhibit 99.38

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.38**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraisal Type** | **Primary Appraised Value** | **LTV** | **Value for LTV** | **CLTV** | **LTV** | **CLTV** | **Primary Appraisal Date** | **Loan Reviewed Product Type** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Loan Collateral Advisor Risk Score Date** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Collateral Underwriter Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX |  | 1969253 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 70.0 | XXXXXX | 70.0 | 70.0 | 70.0 | XX/XX/XXXX | Desk Review | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2036785 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 80.0 | XXXXXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2036797 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 52.31 | XXXXXX | 52.31 | 52.31 | 52.31 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2036793 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 80.0 | XXXXXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2036800 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | Desk Review | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | ClearCapital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2036781 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1025 Small Residential Income Report | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | AVE/CMA | XXXXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | XXXX |  |  |  |  |  | XXXX | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2036782 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1025 Small Residential Income Report | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | AVE/CMA | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | 0 |  |  |  |  |  | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2036794 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 80.0 | XXXXXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Desk Review | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 3.5 |
| XXXX |  | 2036789 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | Desk Review | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | Clear Capital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2036779 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 64.52 | XXXXXX | 64.52 | 64.52 | 64.52 | XX/XX/XXXX | AVE/CMA | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | 0 |  |  |  |  |  | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2027355 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 63.16 | XXXXXX | 63.16 | 63.16 | 63.16 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.6 |
| XXXX |  | 1995586 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 60.0 | XXXXXX | 60.0 | 60.0 | 60.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2013745 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 70.0 | XXXXXX | 70.0 | 70.0 | 70.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.5 |
| XXXX |  | 2033623 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 70.0 | XXXXXX | 70.0 | 70.0 | 70.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.8 |
| XXXX |  | 2024166 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 70.0 | XXXXXX | 70.0 | 70.0 | 70.0 | XX/XX/XXXX | AVE/CMA | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | 0 |  |  |  |  |  | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2033614 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1025 Small Residential Income Report | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | Desk Review | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2022799 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 59.94 | XXXXXX | 59.94 | 59.94 | 59.94 | XX/XX/XXXX | AVE/CMA | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | 0 |  |  |  |  |  | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2036775 | XX/XX/XXXX | XXXXXX |  | 0 | 1025 Small Residential Income Report | XXXXXX | 66.4 | XXXXXX | 66.4 | 66.4 | 66.4 | XX/XX/XXXX | AVE/CMA | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | 0 |  |  |  |  |  | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2027347 | XX/XX/XXXX | XXXXXX |  | 0 | 1025 Small Residential Income Report | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | Desk Review | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2011824 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 21.59 | XXXXXX | 21.59 | 21.59 | 21.59 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.5 |
| XXXX |  | 2016512 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 78.15 | XXXXXX | 78.15 | 78.15 | 78.15 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.4 |
| XXXX |  | 2022800 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 50.0 | XXXXXX | 50.0 | 50.0 | 50.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2027358 | XX/XX/XXXX | XXXXXX |  | 0 | 1073 Individual Condo Report | XXXXXX | 58.14 | XXXXXX | 58.14 | 58.14 | 58.14 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2 |
| XXXX |  | 2011827 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 61.38 | XXXXXX | 61.38 | 61.38 | 61.38 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | Clear Capital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.1 |
| XXXX |  | 2033617 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.3 |
| XXXX |  | 2027349 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.1 |
| XXXX |  | 2022801 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | AVE/CMA | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | 0 |  |  |  |  |  | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2027350 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2 |
| XXXX |  | 2027352 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 64.1 | XXXXXX | 64.1 | 64.1 | 64.1 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.5 |
| XXXX |  | 2033610 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2011832 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 80.0 | XXXXXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.7 |
| XXXX |  | 2033613 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 70.0 | XXXXXX | 70.0 | 70.0 | 70.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2016520 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 74.77 | XXXXXX | 74.77 | 74.77 | 74.77 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.6 |
| XXXX |  | 2027354 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1025 Small Residential Income Report | XXXXXX | 70.0 | XXXXXX | 70.0 | 70.0 | 70.0 | XX/XX/XXXX | Desk Review | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2033609 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2033612 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2022802 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 65.0 | XXXXXX | 65.0 | 65.0 | 65.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2033608 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 59.97 | XXXXXX | 59.97 | 59.97 | 59.97 | XX/XX/XXXX | Desk Review | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2022803 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 65.0 | XXXXXX | 65.0 | 65.0 | 65.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2022804 | XX/XX/XXXX | XXXXXX |  | XXXXXX | 1004 URAR | XXXXXX | 65.0 | XXXXXX | 65.0 | 65.0 | 65.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.8 |
| XXXX |  | 2022811 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 80.0 | XXXXXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | AVE/CMA | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | 0 | XX/XX/XXXX |  |  |  |  | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2033607 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 42.9 | XXXXXX | 42.9 | 42.9 | 42.9 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2016519 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 67.73 | XXXXXX | 67.73 | 67.73 | 67.73 | XX/XX/XXXX | Desk Review | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.6 |
| XXXX |  | 2022806 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 85.0 | XXXXXX | 85.0 | 85.0 | 85.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2022805 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 80.0 | XXXXXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2027356 | XX/XX/XXXX | XXXXXX |  | 0 | 1025 Small Residential Income Report | XXXXXX | 67.19 | XXXXXX | 67.19 | 67.19 | 67.19 | XX/XX/XXXX | AVE/CMA | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | 0 |  |  |  |  |  | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2022814 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2027353 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | Desk Review | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2033619 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 80.0 | XXXXXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Desk Review | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 4 |
| XXXX |  | 2027348 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 43.48 | XXXXXX | 43.48 | 43.48 | 43.48 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.5 |
| XXXX |  | 2022807 | XX/XX/XXXX | XXXXXX |  | 0 | 1025 Small Residential Income Report | XXXXXX | 70.0 | XXXXXX | 70.0 | 70.0 | 70.0 | XX/XX/XXXX | AVE/CMA | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | 0 |  |  |  |  |  | .0000 | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2033618 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | Desk Review | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | Clear Capital | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2027357 | XX/XX/XXXX | XXXXXX |  | 0 | 1025 Small Residential Income Report | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | Desk Review | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | Clear Capital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2022812 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 65.0 | XXXXXX | 65.0 | 65.0 | 65.0 | XX/XX/XXXX | AVE/CMA | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | 0 |  |  |  |  |  | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2027351 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 80.0 | XXXXXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Desk Review | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2033620 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1025 Small Residential Income Report | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | Desk Review | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2027360 | XX/XX/XXXX | XXXXXX |  | 0 | 1025 Small Residential Income Report | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | Desk Review | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2033622 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 80.0 | XXXXXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2033615 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 63.16 | XXXXXX | 63.16 | 63.16 | 63.16 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.2 |
| XXXX |  | 2022813 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 60.81 | XXXXXX | 60.81 | 60.81 | 60.81 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2036778 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 60.0 | XXXXXX | 60.0 | 60.0 | 60.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2033621 | XX/XX/XXXX | XXXXXX |  | 0 | 1025 Small Residential Income Report | XXXXXX | 70.0 | XXXXXX | 70.0 | 70.0 | 70.0 | XX/XX/XXXX | Desk Review | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | Clear Capital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2033616 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 74.38 | XXXXXX | 74.38 | 74.38 | 74.38 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.1 |
| XXXX |  | 2036776 | XX/XX/XXXX | XXXXXX | XXXXXX | 0 | 1004 URAR | XXXXXX | 80.0 | XXXXXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2037741 | XX/XX/XXXX | XXXXXX |  | 0 | 1004 URAR | XXXXXX | 75.0 | XXXXXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.8 |
| XXXX |  | 2036780 | XX/XX/XXXX | XXXXXX |  | 0 | 1025 Small Residential Income Report | XXXXXX | 70.0 | XXXXXX | 70.0 | 70.0 | 70.0 | XX/XX/XXXX | AVE/CMA | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | 0 |  |  |  |  |  | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2036777 | XX/XX/XXXX | XXXXXX |  | 0 | 1073 Individual Condo Report | XXXXXX | 39.29 | XXXXXX | 39.29 | 39.29 | 39.29 | XX/XX/XXXX | Collateral Underwriter (CU) | XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.3 |

---

## Exhibit 99.39

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.39**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 1969253 | Occupancy | the1003Page | Second Home | Primary Residence | Audit Value Pulled From Final 1003. |
| XXXX |  | 1969253 | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Audit value based on lender qualifying requirements. |
| XXXX |  | 1969253 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.59 | 33.17 | Audit liabilities were based on documents in the loan file.  |
| XXXX |  | 2036800 | Property Address | notePage | XXXXXXX | XXXXXXX | Audit Value Pulled from Note. |
| XXXX |  | 2036782 | Loan Type | the1003Page | DSCR | Other | Audit Value Pulled from 1008 |
| XXXX |  | 1995586 | Qualifying FICO | creditLiabilitiesPage | 799 | 773 | Audit value based on lender qualifying requirements. |
| XXXX |  | 1995586 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.73 | 37.21 | Audit omitted installment loan with < 10 payments remaining. |
| XXXX |  | 2024166 | Property Value | propertyValuationPage | XXXXXXX | XXXXXXX | Audit Value Pulled from Appraisal |
| XXXX |  | 2033614 | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2022799 | Property Type | propertyValuationPage | Single Family Detached | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2036775 | Property Type | propertyValuationPage | PUD | Attached | Audit value pulled from Appraisal |
| XXXX |  | 2027347 | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled from Appraisal. |
| XXXX |  | 2016512 | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2016512 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.72 | 49.87 | Audit liabilities were based on documents in the loan file.  |
| XXXX |  | 2027349 | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2033610 | Property Type | propertyValuationPage | Single Family Detached | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2011832 | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2011832 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.02 | 48.18 | Audit reflects difference in net rental income per documents in the loan file and subject HOA Dues per documents in the loan file. <br>|
| XXXX |  | 2033613 | Borrower 1 First Name | notePage | XXXXXXX | XXXXXXX | Audit Value Pulled From Note. |
| XXXX |  | 2027354 | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2022804 | Property Value | propertyValuationPage | XXXXXXX | XXXXXXX | Audit Value Pulled from Appraisal. |
| XXXX |  | 2022811 | Qualifying FICO | creditLiabilitiesPage | 811 | 760 | Audit value based on lender qualifying requirements. |
| XXXX |  | 2016519 | Qualifying LTV | propertyValuationPage | 67.73 | 67.74 | Rounding |
| XXXX |  | 2016519 | Qualifying CLTV | propertyValuationPage | 67.73 | 67.74 | Rounding |
| XXXX |  | 2016519 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.7 | 48.19 | Audit reflects difference in subject HOA Dues per documents in the loan file.  |
| XXXX |  | 2022806 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.11 | 36.68 | Audit reflects difference in negative rental income per documents in the loan file. |
| XXXX |  | 2022805 | Qualifying FICO | creditLiabilitiesPage | 753 | 747 | Audit value based on lender qualifying requirements. |
| XXXX |  | 2022805 | Borrower 1 First Name | notePage | XXXXXXX | XXXXXXX | Audit Value Pulled From Note. |
| XXXX |  | 2022805 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.19 | 40.20 | Rounding. |
| XXXX |  | 2027356 | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2022807 | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2027357 | Qualifying FICO | creditLiabilitiesPage | 747 | 741 | Audit value based on lender qualifying requirements. |
| XXXX |  | 2027357 | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2033620 | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2027360 | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2033622 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.83 | 29.26 | Audit reflects difference in subject homeowner's insurance per documents in the loan file. |
| XXXX |  | 2033615 | Borrower 1 Last Name | notePage | XXXXXXXX | XXXXXXX | Audit Value Pulled From Note. |
| XXXX |  | 2022813 | Qualifying FICO | creditLiabilitiesPage | 785 | 783 | Audit value pulled from most recent credit report in the loan file dated 05/01/2025. |
| XXXX |  | 2033621 | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2033616 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.58 | 43.56 | Audit reflects difference in net rental income per documents in the loan file. |
| XXXX |  | 2036776 | Property Value | propertyValuationPage | XXXXXXX | XXXXXXX | Audit Value Pulled From Purchase Contract / Final CD. |
| XXXX |  | 2036776 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.54 | 30.92 | Audit reflects difference in subject homeowner's insurance per documents in the loan file & Audit reflects difference in subject HOA Dues per documents in the loan file. <br>|
| XXXX |  | 2037741 | Qualifying CLTV | propertyValuationPage | 75 | 107.55 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| XXXX |  | 2036780 | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled from Appraisal |

---

## Exhibit 99.40

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.40**

![](ex9940001.jpg)

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

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

**DESCRIPTION OF SERVICES:**

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

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Ellington Management Group, LLC ("Client"). The review was conducted between March 2025 and June 2025, via files imaged and provided for review (the "Review").

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

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 49 Non-QM loans and 45 ATR-QM exempt loans for a total of 94 loans the "Final Securitization Population".

*<u>Credit Reviews (94):</u>*

During the Review, Selene performed a credit review on 94 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (94)</u>*

During the Review, Selene performed a compliance review, when applicable on 94 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (94):</u>*

During the Review, Selene performed a property valuation review on 94 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (94):</u>*

During the Review, Selene performed a Data Integrity Review on 94 mortgage loans in the Final Securitization Population.

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 94 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;94 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;94 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;94 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;94 | &nbsp;&nbsp;100% |

---

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

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

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

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

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

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

**<u>GUIDELINES</u>**

Oaktree Funding Non-Agency Loan Eligibility Guidelines, Kind Lending Non-Agency Program Guidelines, and LoanStream One Guide (the "Guidelines").

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

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

Page **2** of **10**

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

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

 **CREDIT REVIEW**

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

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

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

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

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

 **COMPLIANCE REVIEW**

Selene's compliance scope determined the presence and correct execution of required documents such as the promissory note and security instrument.

 **PROPERTY VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

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

Page **3** of **10**

 **DATA INTEGRITY REVIEW**

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

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

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

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

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

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

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

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

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

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 94 mortgage loans, (ii) a Compliance Review on 94 mortgage loans (iii) a Valuation Review on 94 mortgage loans, and (iv) a Data Integrity Review on 94 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 94 mortgage loans; 69 mortgage loans had a rating grade of A, 25 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | |  | &nbsp;&nbsp;***Grades per loan (94 overall loans):*** | &nbsp;&nbsp;***Grades per loan (94 overall loans):*** | &nbsp;&nbsp;***Grades per loan (94 overall loans):*** |  |  |
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;16 | &nbsp;&nbsp;16 | &nbsp;&nbsp;17.02% | &nbsp;&nbsp;A | &nbsp;&nbsp;69 | &nbsp;&nbsp;69 | &nbsp;&nbsp;73.40% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.06% | &nbsp;&nbsp;B | &nbsp;&nbsp;25 | &nbsp;&nbsp;25 | &nbsp;&nbsp;26.60% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;29 | &nbsp;&nbsp;29 | &nbsp;&nbsp;30.85% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;48 | &nbsp;&nbsp;48 | &nbsp;&nbsp;51.06% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **10**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:***  | |
| | | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;90 | &nbsp;&nbsp;90 | &nbsp;&nbsp;95.74% | &nbsp;&nbsp;A | &nbsp;&nbsp;72 | &nbsp;&nbsp;72 | &nbsp;&nbsp;76.60% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.26% | &nbsp;&nbsp;B | &nbsp;&nbsp;22 | &nbsp;&nbsp;22 | &nbsp;&nbsp;23.40% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  |  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;93 | &nbsp;&nbsp;93 | &nbsp;&nbsp;98.94% |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.06% |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |

---

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

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

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

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain

Page **5** of **10**

claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

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

Selene furnished the following reports on this transaction:

1. Selene Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **10**

**APPENDIX A – CREDIT REVIEW SCOPE**

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

**Credit Application**

For the Credit Application, Selene verified whether:

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

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

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

**Credit Report**

Selene verified:

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

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

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

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

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

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

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

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

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

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

**Employment and Income**

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

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

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

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

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

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

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

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

Page **7** of **10**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was
 involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify
 that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and
 is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the
 file meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that the mortgagee clause lists the lender's name and "its successors and
 assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in
 the DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
 for any name variations for the borrowers and confirm that the variations have been addressed
 in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
 for any social security number variations for the borrowers and confirm that the variations
 have been addressed in the loan file;

Page **8** of **10**

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
 for any potential occupancy issues based on the borrowers' address history and
 confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
 for any employment issues and confirm that any issues have been addressed in the loan
 file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
 for any additional consumers associated with the borrowers' profiles and confirm
 the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
 all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 review of the completeness and accuracy of the information obtained in the mortgage origination
 process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A
 review of closing documents to ensure that the mortgage file information is complete,
 accurate, and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene
 will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification
 that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
 loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification
 that all borrowers are eligible based on the guidelines and information in the loan file;
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 there is appropriate documentation present to confirm that applicable documents have
 been recorded or have been sent for recording.

Page **9** of **10**

**APPENDIX B – VALUATION REVIEW SCOPE**

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

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

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

Disclaimer

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

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

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

● Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **10** of **10**

## Exhibit 99.41

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.41**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2031302 |  | XXXX | XXXX D A |
| 2020211 |  | XXXX | XXXX C A |
| 2016439 |  | XXXX | XXXX C A B |
| 2013459 |  | XXXX | XXXX D A B |
| 2016445 |  | XXXX | XXXX A D |
| 2013469 |  | XXXX | XXXX C A |
| 2013476 |  | XXXX | XXXX A |
| 2013466 |  | XXXX | XXXX B A |
| 2016440 |  | XXXX | XXXX D A B |
| 2022663 |  | XXXX | XXXX D A B |
| 2018543 |  | XXXX | XXXX C A |
| 2018541 |  | XXXX | XXXX C A D |
| 2018549 |  | XXXX | XXXX C A D |
| 2018536 |  | XXXX | XXXX C A |
| 2016436 |  | XXXX | XXXX D A |
| 2022588 |  | XXXX | XXXX A C B |
| 2022661 |  | XXXX | XXXX D A |
| 2022665 |  | XXXX | XXXX D A |
| 2022671 |  | XXXX | XXXX A D |
| 2022658 |  | XXXX | XXXX D A |
| 2022673 |  | XXXX | XXXX C A |
| 2016437 |  | XXXX | XXXX A |
| 2022583 |  | XXXX | XXXX D A |
| 2022672 |  | XXXX | XXXX D A |
| 2022664 |  | XXXX | XXXX C A |
| 2031368 |  | XXXX | XXXX D A |
| 2022666 |  | XXXX | XXXX D A |
| 2022660 |  | XXXX | XXXX C A |
| 2022670 |  | XXXX | XXXX C A |
| 2022668 |  | XXXX | XXXX C A |
| 2022667 |  | XXXX | XXXX C D A |
| 2022586 |  | XXXX | XXXX A |
| 2036244 |  | XXXX | XXXX D A |
| 2016423 |  | XXXX | XXXX D C A B |
| 2016443 |  | XXXX | XXXX D A B |
| 2022581 |  | XXXX | XXXX A |
| 2022582 |  | XXXX | XXXX A |
| 2022657 |  | XXXX | XXXX C A |
| 2022662 |  | XXXX | XXXX D A C |
| 2033686 |  | XXXX | XXXX C A B |
| 2022656 |  | XXXX | XXXX C D A |
| 2022659 |  | XXXX | XXXX C D A |
| 2022749 |  | XXXX | XXXX A |
| 2022669 |  | XXXX | XXXX C A |
| 2022654 |  | XXXX | XXXX A D |
| 2016446 |  | XXXX | XXXX D C A B |
| 2033687 |  | XXXX | XXXX C A |
| 2022751 |  | XXXX | XXXX A |
| 2031306 |  | XXXX | XXXX D A C B |
| 2031307 |  | XXXX | XXXX C D A B |
| 2031304 |  | XXXX | XXXX D A B |
| 2022584 |  | XXXX | XXXX D A |
| 2022587 |  | XXXX | XXXX A |
| 2033682 |  | XXXX | XXXX D C A |
| 2033685 |  | XXXX | XXXX D A |
| 2033690 |  | XXXX | XXXX D C B A |
| 2033684 |  | XXXX | XXXX D A |
| 2033689 |  | XXXX | XXXX C A |
| 2033691 |  | XXXX | XXXX C A |
| 2031308 |  | XXXX | XXXX C A B |
| 2031301 |  | XXXX | XXXX C A |
| 2031293 |  | XXXX | XXXX C D A B |
| 2022585 |  | XXXX | XXXX A |
| 2031284 |  | XXXX | XXXX D A B |
| 2034729 |  | XXXX | XXXX D A |
| 2031299 |  | XXXX | XXXX C A |
| 2031289 |  | XXXX | XXXX D A |
| 2031291 |  | XXXX | XXXX C A B |
| 2031290 |  | XXXX | XXXX C A B |
| 2031285 |  | XXXX | XXXX A |
| 2031310 |  | XXXX | XXXX A |
| 2031305 |  | XXXX | XXXX C A |
| 2034726 |  | XXXX | XXXX A |
| 2031298 |  | XXXX | XXXX A |
| 2034725 |  | XXXX | XXXX C A B |
| 2031288 |  | XXXX | XXXX A |
| 2031295 |  | XXXX | XXXX C A D |
| 2033683 |  | XXXX | XXXX D A |
| 2033688 |  | XXXX | XXXX C A |
| 2031309 |  | XXXX | XXXX A |
| 2031303 |  | XXXX | XXXX C B A |
| 2031287 |  | XXXX | XXXX C A B |
| 2031286 |  | XXXX | XXXX D A |
| 2031300 |  | XXXX | XXXX D A |
| 2031297 |  | XXXX | XXXX D C A |
| 2031296 |  | XXXX | XXXX C A B |
| 2031294 |  | XXXX | XXXX A |
| 2031292 |  | XXXX | XXXX C D A |
| 2034727 |  | XXXX | XXXX C A |
| 2034723 |  | XXXX | XXXX D A |
| 2034728 |  | XXXX | XXXX D A |
| 2034722 |  | XXXX | XXXX C D A |
| 2022580 |  | XXXX | XXXX D A B |
| 2034724 |  | XXXX | XXXX D A B |

---

## Exhibit 99.42

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.42**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 2031302 |  |  | Closed | 2025-03-12 16:43 | 2025-03-25 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Clarification received, finding resolved - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/21/2025 <br>Counter-Uploaded lease was already in file, per notes on appraisal there are two leases for this loan, please clarify if there is a second lease. - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. - Seller-03/19/2025 <br>Ready for Review-Document Uploaded. Yes. see attached. - Buyer-03/14/2025 <br>Counter-Appraisal mentions ADU was leased out, please let us know if the ADU is leased out or not. - Due Diligence Vendor-03/14/2025 <br>Ready for Review-Document Uploaded. corrected apprsl - Buyer-03/12/2025 <br>Open-1007 in file showing a rental income of $3700 where as rental agreement showing $3350 - Due Diligence Vendor-03/12/2025 | Counter-2nd lease is not for subject property, it is for another property, could you check and upload the other one for subject property. - Due Diligence Vendor-03/18/2025 <br>Ready for Review-Document Uploaded. - Seller-03/19/2025<br>| Resolved-Clarification received, finding resolved - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 3592988 | N/A | N/A |
| XXXX | 2031302 |  |  | Closed | 2025-03-08 08:34 | 2025-03-14 19:37 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Finding resolved, assets confirmation received - Due Diligence Vendor-03/14/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/12/2025 <br>Open-Gift Letter is showing gift is deposited, proof of amount deposited is missing. - Due Diligence Vendor-03/08/2025 |  | Resolved-Finding resolved, assets confirmation received - Due Diligence Vendor-03/14/2025<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 3563239 | N/A | N/A |
| XXXX | 2031302 |  |  | Closed | 2025-03-11 20:07 | 2025-03-14 18:20 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-PDI received dated XXXX showing no damage to property or area, finding resolved - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/14/2025 <br> Open-Property potentially affected by FEMA Disaster ID XXXX. XXXX - Declared XXXX with an Incident End Date of XXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required.<br> - Due Diligence Vendor-03/11/2025 |  | Resolved-PDI received dated XXXX showing no damage to property or area, finding resolved - Due Diligence Vendor-03/14/2025 | XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 3585443 | N/A | N/A |
| XXXX | 2031302 |  |  | Closed | 2025-03-08 06:00 | 2025-03-13 09:46 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. - Seller-03/12/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount XXXX - Due Diligence Vendor-03/08/2025 | Ready for Review-Document Uploaded. - Seller-03/12/2025<br>| Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/13/2025 | XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 3563032 | N/A | N/A |
| XXXX | 2020211 |  |  | Closed | 2025-03-25 17:54 | 2025-04-08 17:38 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Borrower has made sufficient funds to meet borrower contribution, finding resolved - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. EMD $10k + Funds at closing $XXX = $XXX = 10% of PP - Buyer-04/04/2025 <br> Counter-Gift funds are surpassing the down payment which is not allowed per guidelines, please let me know if you have clarification for this discrepancy. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/01/2025 <br> Counter-Please clarify the total gift funds, documents on file show $XXXX gift provided and PCCD doesnt disclose any gift funds. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. see attached - borr funds 53k - Buyer-03/27/2025 <br> Open-Borrower contribution requirement of 10% not being met with $XXXX gift provided - Due Diligence Vendor-03/25/2025 |  | Resolved-Borrower has made sufficient funds to meet borrower contribution, finding resolved - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3691257 | N/A | N/A |
| XXXX | 2020211 |  |  | Closed | 2025-03-21 08:17 | 2025-03-28 07:50 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX provided. Resolved - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/27/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount XXXX - Due Diligence Vendor-03/21/2025 |  | Resolved-Title Coverage Amount of $XXXX provided. Resolved - Due Diligence Vendor-03/28/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 3665213 | N/A | N/A |
| XXXX | 2016439 |  |  | Closed | 2025-04-09 14:33 | 2025-06-09 22:01 | Waived | 2 - Non-Material C B | Credit | Credit | Missing subject rental income documentation | Waived-Exception made for missing rental receipt of funds <br> - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/05/2025 <br>Counter-Guidelines requires receipt, this is just a statement from the borrower stating they are receiving rents which we cannot count as a rental receipt, please provide clarification on this discrepancy. - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/23/2025 <br>Counter-The guidelines require a current lease must be supported with two most recent bank statements showing the rental payments, we cannot accept borrower stating they are receiving full without showing evidence of the full payments. - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/16/2025 <br>Counter-3 units in total, explanation received for 1 unit, 2 other unit deposits required - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025 <br>Counter-Loan qualified under the cash flow program, lease and 2 months of the most recent payments required - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Loan is DSCR- no rental income being used to qualify - Seller-04/10/2025 <br>Open-Missing most recent 2 month bank statements showing rental income deposits - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025 <br>Ready for Review-Loan is DSCR- no rental income being used to qualify - Seller-04/10/2025<br>| Waived-Exception made for missing rental receipt of funds <br> - Due Diligence Vendor-06/09/2025<br>| XXXX |  | DSCR is 1.323. Minimum required per guidelines is 1.<br> No derogatory/late credit history listed on the credit report | NJ | Investment | Refinance | Cash Out - Other | 3816613 | Originator Post-Close | Yes |
| XXXX | 2016439 |  |  | Closed | 2025-04-09 14:42 | 2025-04-14 15:01 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/10/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing housing history for subject property - Due Diligence Vendor-04/09/2025 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/14/2025<br>| XXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 3816790 | N/A | N/A |
| XXXX | 2013459 |  |  | Closed | 2025-04-10 11:56 | 2025-04-15 18:56 | Waived | 2 - Non-Material C B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Provided gap report is post closing and cannot be used to resolve condition. Condition is waived based on Compensating Factors - Due Diligence Vendor-04/15/2025 <br>Resolved-Requested Gap credit Report provided, hence resolved - Due Diligence Vendor-04/15/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is more than 10 days. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Waived-Provided gap report is post closing and cannot be used to resolve condition. Condition is waived based on Compensating Factors - Due Diligence Vendor-04/15/2025 <br>Resolved-Requested Gap credit Report provided, hence resolved - Due Diligence Vendor-04/15/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/15/2025<br>| XXXX |  | DTI is 8.64%. Maximum allowed per guidelines is 55%.<br> LTV is 26.46%. Maximum allowed per guidelines is 85%.<br> Credit Score is 787. Minimum required per guidelines is 700. | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3825753 | Originator Post-Close | No |
| XXXX | 2013459 |  |  | Closed | 2025-04-10 12:38 | 2025-04-15 17:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received initial CD, finding resolved - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Open-TRID: Missing Closing Disclosure Missing initial closing disclosure - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Received initial CD, finding resolved - Due Diligence Vendor-04/15/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3826079 | N/A | N/A |
| XXXX | 2013459 |  |  | Closed | 2025-04-10 12:40 | 2025-04-15 17:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/11/2025 <br>Open-The Final 1003 is Incomplete Borrower having REO property however Final 1003 5A question showing as No. - Due Diligence Vendor-04/10/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/15/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3826093 | N/A | N/A |
| XXXX | 2013459 |  |  | Closed | 2025-04-10 11:41 | 2025-04-15 17:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet is missing in file, considered provided recent 12 months deposits for calculation. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-04/15/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3825649 | N/A | N/A |
| XXXX | 2013459 |  |  | Closed | 2025-04-10 11:16 | 2025-04-15 17:26 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Open-The 1008 document is missing from the loan file. 1008 document is missing in file. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/15/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3825491 | N/A | N/A |
| XXXX | 2013459 |  |  | Closed | 2025-04-10 11:26 | 2025-04-15 11:49 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title provided with updated Policy Amount that covers loan amount hence resolved.<br> - Due Diligence Vendor-04/15/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/14/2025 <br> Open-Title Coverage Amount of XXXX is Less than Loan Amount - Due Diligence Vendor-04/10/2025 |  | Resolved-Requested updated title provided with updated Policy Amount that covers loan amount hence resolved.<br> - Due Diligence Vendor-04/15/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/15/2025 | XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3825554 | N/A | N/A |
| XXXX | 2016445 |  |  | Closed | 2025-04-15 17:36 | 2025-04-30 14:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Mortgage | Resolved-Recorded DOT received with updated county - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/29/2025 <br>Open-The county listed on the mortgage is not the same as what is reflected on exhibit 'a' - Due Diligence Vendor-04/15/2025 |  | Resolved-Recorded DOT received with updated county - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3869644 | N/A | N/A |
| XXXX | 2013469 |  |  | Closed | 2025-04-14 11:11 | 2025-04-16 08:05 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Required Document Provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/16/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/15/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Borrower living in rent VOR is missing in file. - Due Diligence Vendor-04/14/2025 |  | Resolved-Required Document Provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/16/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3852852 | N/A | N/A |
| XXXX | 2013466 |  |  | Closed | 2025-04-15 08:49 | 2025-04-17 14:46 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out is not completed according to the guideline requirements Exception made for property being listed for sale within 3 months from application date for cash out - Due Diligence Vendor-04/15/2025 |  | Waived-Cash Out is not completed according to the guideline requirements Exception made for property being listed for sale within 3 months from application date for cash out - Due Diligence Vendor-04/15/2025<br>|  |  | 1. Residual Income is $XXX. Minimum Residual Income required per guidelines is $1,500. <br> 2. No derogatory credit history listed on credit report | FL | Primary Residence | Refinance | Cash Out - Other | 3864103 | Originator Pre-Close | Yes |
| XXXX | 2016440 |  |  | Closed | 2025-04-17 17:26 | 2025-04-22 16:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception made for no impounds on titanium program - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/18/2025 <br> Open-Loan does not conform to program guidelines Per the XXXX, impounds are required; no option to waive - Due Diligence Vendor-04/17/2025 |  | Waived-Exception made for no impounds on XXXX program - Due Diligence Vendor-04/22/2025 | XXXX |  | Employed in same business for 20+ years<br> LTV is 27.71%. Maximum allowed per guidelines is 85%. | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3892261 | Originator Post-Close | Yes |
| XXXX | 2016440 |  |  | Closed | 2025-04-15 13:49 | 2025-04-22 16:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Other Rider is Missing | Resolved-Received rider, finding resolved - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/18/2025 <br>Open-Renewal/Extension Exhibit rider is missing. - Due Diligence Vendor-04/15/2025 |  | Resolved-Received rider, finding resolved - Due Diligence Vendor-04/22/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3865924 | N/A | N/A |
| XXXX | 2016440 |  |  | Closed | 2025-04-17 18:22 | 2025-04-22 16:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. - Seller-04/18/2025 <br>Open-Title Document is Incomplete Missing vesting in non-borrower spouse and borrower - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. - Seller-04/18/2025<br>| Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/22/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3893223 | N/A | N/A |
| XXXX | 2016440 |  |  | Closed | 2025-04-15 13:51 | 2025-04-21 10:52 | Resolved | 1 - Information C A | Credit | Income/Employment | VOE performed more than 10 days prior to closing | Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved.<br> - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. - Seller-04/18/2025 <br>Open-Provided WVOE date is more than 10 days from closing and provided google search page 3766 is not having date. Hence, provide VOE within 10 days from closing. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. - Seller-04/18/2025<br>| Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved.<br> - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3865941 | N/A | N/A |
| XXXX | 2022663 |  |  | Closed | 2025-04-18 18:41 | 2025-04-30 19:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Received exception for LTV. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. Exception Approval - Seller-04/29/2025 <br>Open-Audited CLTV of 77.42% exceeds Guideline CLTV of 70% Property in rural area need exception for the LTV. - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. Exception Approval - Seller-04/29/2025<br>| Waived-Received exception for LTV. - Due Diligence Vendor-04/30/2025<br>| XXXX |  | 1. Low DTI borrower has a 10.71 back-end DTI and max cam be at 50% <br> 2. Borrower has 102.42 months of reserves, and all that is required is 3 months <br> 3. Credit score is at 780 and minimum required is 740 | WV | Primary Residence | Refinance | Cash Out - Other | 3904460 | Originator Pre-Close | Yes |
| XXXX | 2022663 |  |  | Closed | 2025-04-17 09:33 | 2025-04-23 10:10 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 Document uploaded, DTI is matching with the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. 1003 / 1008 - Seller-04/22/2025 <br> Open-Audited DTI is 10.33 and lender DTI is 14.21. The difference is 3.88.<br>This is due to the difference in all other monthly payments. lender considered below tradeline from final 1003, however it is not reflecting in credit report or any other documentation on file.<br> XXX #XXX with monthly payment of $XXX.<br>GAP credit is missing from file. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. 1003 / 1008 - Seller-04/22/2025<br>| Resolved-Updated 1008 Document uploaded, DTI is matching with the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/23/2025<br>| XXXX |  |  | WV | Primary Residence | Refinance | Cash Out - Other | 3887119 | N/A | N/A |
| XXXX | 2022663 |  |  | Closed | 2025-04-17 09:20 | 2025-04-23 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/22/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide GAP credit report as it is missing from file. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/22/2025<br>| Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/23/2025<br>| XXXX |  |  | WV | Primary Residence | Refinance | Cash Out - Other | 3887071 | N/A | N/A |
| XXXX | 2022663 |  |  | Closed | 2025-04-17 08:49 | 2025-04-23 10:09 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/23/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-04/22/2025 <br>Open-The 1008 document is missing from the loan file. Provide 1008 document as it is missing from file. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. 1008 - Seller-04/22/2025<br>| Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/23/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/23/2025<br>| XXXX |  |  | WV | Primary Residence | Refinance | Cash Out - Other | 3887018 | N/A | N/A |
| XXXX | 2022663 |  |  | Closed | 2025-04-17 09:29 | 2025-04-23 10:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br>- Due Diligence Vendor-04/23/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025 <br>Open-Missing Third Party Fraud Report Provide fraud report as it is missing from file. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br>- Due Diligence Vendor-04/23/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/23/2025<br>| XXXX |  |  | WV | Primary Residence | Refinance | Cash Out - Other | 3887094 | N/A | N/A |
| XXXX | 2022663 |  |  | Closed | 2025-04-17 10:31 | 2025-04-17 10:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.904%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 450 and the Final Closing disclosure on page # 283-287 reflects escrows. Rate lock date was entered correctly – see page # 46. An interior and exterior appraisal was completed for this property – see page # 33-57 and the appraisal disclosure was provided to the borrower(s)- see page # 31, 32 and confirmation the appraisal was delivered to the borrower – see page # 31, 32. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/17/2025 |  | Resolved-The loan's (8.904%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 450 and the Final Closing disclosure on page # 283-287 reflects escrows. Rate lock date was entered correctly – see page # 46. An interior and exterior appraisal was completed for this property – see page # 33-57 and the appraisal disclosure was provided to the borrower(s)- see page # 31, 32 and confirmation the appraisal was delivered to the borrower – see page # 31, 32. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/17/2025<br>|  |  |  | WV | Primary Residence | Refinance | Cash Out - Other | 3887346 | N/A | N/A |
| XXXX | 2018543 |  |  | Closed | 2025-04-18 08:01 | 2025-04-23 11:10 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report provided with cleared alerts. Resolved - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared findings - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025<br>| Resolved-Updated Fraud Report provided with cleared alerts. Resolved - Due Diligence Vendor-04/23/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 3897969 | N/A | N/A |
| XXXX | 2018543 |  |  | Closed | 2025-04-18 07:21 | 2025-04-23 11:09 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Operating agreement on page #514 shows borrower ownership of 33%. No finding required. Resolved - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. UW response per guides it is if you can not determine the nature of business. Attached shows the nature of business. - Seller-04/22/2025 <br>Open-Self-employment Business Narrative doc is missing in the file - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. UW response per guides it is if you can not determine the nature of business. Attached shows the nature of business. - Seller-04/22/2025<br>| Resolved-Operating agreement on page #514 shows borrower ownership of 33%. No finding required. Resolved - Due Diligence Vendor-04/23/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 3897863 | N/A | N/A |
| XXXX | 2018541 |  |  | Closed | 2025-04-21 10:02 | 2025-04-25 15:54 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-received final Hud for investment property, updated asset page has sufficient funds for reserves - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. Final Statement for the C/O funds used to close - Seller-04/23/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Asset Record 3 Does Not Meet G/L Requirements We have Other Specify Funds amount $XXXX as per the final 1003 (2b Sec)proof of document is missing in file. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Final Statement for the C/O funds used to close - Seller-04/23/2025<br>| Resolved-received final Hud for investment property, updated asset page has sufficient funds for reserves - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | UT | Primary Residence | Purchase | NA | 3911872 | N/A | N/A |
| XXXX | 2018541 |  |  | Closed | 2025-04-21 09:40 | 2025-04-23 10:35 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) Provided. Resolved - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-04/22/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. XXXX - Seller-04/22/2025 | Resolved-Secondary Valuation or Additional Valuation (XXXX) Provided. Resolved - Due Diligence Vendor-04/23/2025 | XXXX |  |  | UT | Primary Residence | Purchase | NA | 3911781 | N/A | N/A |
| XXXX | 2018549 |  |  | Closed | 2025-04-22 07:40 | 2025-04-25 08:57 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/25/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/24/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/24/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/25/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3922434 | N/A | N/A |
| XXXX | 2018549 |  |  | Closed | 2025-04-22 07:13 | 2025-04-24 10:14 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/24/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-04/23/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. XXXX - Seller-04/23/2025 | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/24/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3922343 | N/A | N/A |
| XXXX | 2018549 |  |  | Closed | 2025-04-22 06:28 | 2025-04-24 10:13 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/24/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. Prelim with correct loan amount - Seller-04/23/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount, Provide Title Coverage Amount of $XXXX is Greater than or equal to Loan Amount. - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. Prelim with correct loan amount - Seller-04/23/2025<br>| Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/24/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/24/2025 | XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3922212 | N/A | N/A |
| XXXX | 2018536 |  |  | Closed | 2025-04-21 08:05 | 2025-04-24 09:13 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/24/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/23/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud alert with all cleared alerts as the on file shows uncleared alerts. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/23/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/24/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 3911557 | N/A | N/A |
| XXXX | 2018536 |  |  | Closed | 2025-04-21 08:39 | 2025-04-21 08:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.345%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 264 and the Final Closing disclosure on page # 99-103 reflects escrows. Rate lock date was entered correctly – see page # 289. An interior and exterior appraisal was completed for this property – see page # 41-76 and the appraisal disclosure was provided to the borrower(s)- see page # 39, 40 and confirmation the appraisal was delivered to the borrower – see page # 39, 40. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/21/2025 |  | Resolved-The loan's (8.345%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 264 and the Final Closing disclosure on page # 99-103 reflects escrows. Rate lock date was entered correctly – see page # 289. An interior and exterior appraisal was completed for this property – see page # 41-76 and the appraisal disclosure was provided to the borrower(s)- see page # 39, 40 and confirmation the appraisal was delivered to the borrower – see page # 39, 40. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/21/2025<br>|  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 3911640 | N/A | N/A |
| XXXX | 2016436 |  |  | Closed | 2025-04-25 02:44 | 2025-04-30 19:27 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Clarification received for employee count, finding resolved - Due Diligence Vendor-04/29/2025 <br>Open-Business Narrative states there is 1 employee/contractor, expense factor required is 30%, 25% is being utilized to calculate qualifying monthly income. - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/28/2025 |  | Resolved-Clarification received for employee count, finding resolved - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3958603 | N/A | N/A |
| XXXX | 2016436 |  |  | Closed | 2025-04-23 11:22 | 2025-04-28 08:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested Gap Credit Report provided that is within the 10 business days from closing hence resolved. - Due Diligence Vendor-04/28/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/25/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/23/2025 |  | Resolved-Requested Gap Credit Report provided that is within the 10 business days from closing hence resolved. - Due Diligence Vendor-04/28/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/28/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3935326 | N/A | N/A |
| XXXX | 2022588 |  |  | Closed | 2025-04-21 09:38 | 2025-05-05 17:41 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Received PCCD, check and LOX, finding cured - Due Diligence Vendor-05/05/2025 <br>Resolved-Resolved - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/02/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). From Revised LE (04/01/2025) to Initial CD (04/02/2025) Appraisal Fee increased to $1,550, there is no COC in file please provide COC or lender credits to cure this tolerance <br> - Due Diligence Vendor-04/21/2025 |  | Cured-Received PCCD, check and LOX, finding cured - Due Diligence Vendor-05/05/2025 <br>Resolved-Resolved - Due Diligence Vendor-05/05/2025<br>| XXXX |  |  | AZ | Second Home | Purchase | NA | 3911778 | N/A | N/A |
| XXXX | 2022661 |  |  | Closed | 2025-04-23 12:27 | 2025-04-30 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. Income Items - Seller-04/29/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet on page #472 only reflects 3 months of account #XXXX deposits. Additional worksheet to include account #XXXX and 12 month calculation required. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. Income Items - Seller-04/29/2025<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3935793 | N/A | N/A |
| XXXX | 2022661 |  |  | Closed | 2025-04-23 13:04 | 2025-04-29 10:32 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/29/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/28/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report has uncleared alerts. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/28/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/29/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3936167 | N/A | N/A |
| XXXX | 2022661 |  |  | Closed | 2025-04-23 12:52 | 2025-04-29 10:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/29/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/28/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide GAP credit report as it is missing from file. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/28/2025<br>| Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/29/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3936047 | N/A | N/A |
| XXXX | 2022661 |  |  | Closed | 2025-04-23 13:03 | 2025-04-29 10:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Assets provided, Audited Reserves of 129.48 month(s) are greater than Guideline Required Reserves of 6 month(s), Verified - Resolved<br> - Due Diligence Vendor-04/29/2025 <br>Resolved-Audited Reserves of 129.48 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. 1003 with reserves and investment statement - Seller-04/28/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Per Super Kind program, min 6 months of reserves are required. No assets provided. - Due Diligence Vendor-04/23/2025 <br>Open- - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. 1003 with reserves and investment statement - Seller-04/28/2025<br>| Resolved-Assets provided, Audited Reserves of 129.48 month(s) are greater than Guideline Required Reserves of 6 month(s), Verified - Resolved<br> - Due Diligence Vendor-04/29/2025 <br>Resolved-Audited Reserves of 129.48 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3936152 | N/A | N/A |
| XXXX | 2022665 |  |  | Closed | 2025-04-24 10:10 | 2025-05-13 12:42 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.99 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Updated Reserves - 1003 & statement - Seller-05/12/2025 <br> Counter-Final CD funds went to x wife. Borrower still does not have funds for the reserves. Based on final 1003. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. It is a cash out per the Settlement Statement - Seller-04/30/2025 <br> Counter-Based on final CD borrower paying 1,118.84 at closing. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. Approval. C/O funds being used for reserves - Seller-04/28/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Loan program is XXXX. Per GL, 6 months reserves are required. Borrower using cash out amount for payoff off equity per final CD page #314 which results in shortage of reserves. Provide sufficient assets to meet reserve requirement. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. Updated Reserves - 1003 & statement - Seller-05/12/2025 <br>Ready for Review-Document Uploaded. It is a cash out per the Settlement Statement - Seller-04/30/2025 <br>Ready for Review-Document Uploaded. Approval. C/O funds being used for reserves - Seller-04/28/2025<br>| Resolved-Audited Reserves of 3.99 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-05/13/2025<br>| XXXX |  |  | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3947767 | N/A | N/A |
| XXXX | 2022665 |  |  | Closed | 2025-04-25 17:23 | 2025-05-01 12:08 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Paying x wife is a rate term - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. It is a cash out per the Settlement Statement - Seller-04/30/2025 <br>Counter-Based on final CD borrower is paying 1,118.84 at closing not receiving 88k at closing. - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-04/28/2025 <br>Open-1008 Document is Missing Need updated 1008 shows borrower getting funds at closing as a cash out based on final CD rate & Term - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. It is a cash out per the Settlement Statement - Seller-04/30/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-04/28/2025<br>| Resolved-Paying x wife is a rate term - Due Diligence Vendor-05/15/2025<br>| XXXX |  |  | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3965562 | N/A | N/A |
| XXXX | 2022665 |  |  | Closed | 2025-04-24 10:13 | 2025-04-29 10:36 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/29/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/28/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one file shows uncleared alerts. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/28/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/29/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3947786 | N/A | N/A |
| XXXX | 2022665 |  |  | Closed | 2025-04-24 10:05 | 2025-04-28 10:11 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/28/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-04/25/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. XXXX - Seller-04/25/2025 | Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/28/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/28/2025<br>| XXXX |  |  | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3947724 | N/A | N/A |
| XXXX | 2022671 |  |  | Closed | 2025-04-24 06:36 | 2025-04-29 12:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated 1003 provided. Resolved. - Due Diligence Vendor-04/29/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. Updated 1003 - Seller-04/28/2025 <br> Open-The Final 1003 is Incomplete For XXXX, years in industry (2) is < years in job (4.6). Provide updated 1003 with correct information.<br> - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. Updated 1003 - Seller-04/28/2025<br>| Resolved-Updated 1003 provided. Resolved. - Due Diligence Vendor-04/29/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3946360 | N/A | N/A |
| XXXX | 2022658 |  |  | Closed | 2025-04-25 15:40 | 2025-05-02 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 not required - actually a bank statement program. Updated business bank statement worksheet provided. - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. UW response: Regarding the income this is a 12 month bank statement loan, so the W2's 1099's don't apply. Attached please find the Income Worksheet here. - Seller-05/01/2025 <br>Open-Borrower 1 W2/1099 Missing Please provide 1099/W2s for self employed borrower. If the tax return exceeds 90 days of the note date, a YTD Profit & Loss Statement (P&L) dated within 90 days of note date is needed as well. We have 2 bank statements in file. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. UW response: Regarding the income this is a 12 month bank statement loan, so the W2's 1099's don't apply. Attached please find the Income Worksheet here. - Seller-05/01/2025<br>| Resolved-Borrower 1 W2/1099 not required - actually a bank statement program. Updated business bank statement worksheet provided. - Due Diligence Vendor-05/02/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3964097 | N/A | N/A |
| XXXX | 2022658 |  |  | Closed | 2025-04-23 07:58 | 2025-05-02 10:08 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Property is verified to be Free & Clear, Verified - Resolved<br> - Due Diligence Vendor-05/02/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. UW Response: Regarding the borrower's primary residence; They have owned this property since XXXX. The previous mortgage with XXXX is showing on credit and evidence of paid T&I are in file. That property was refinanced with us and title confirmed the property was free & clear. - Seller-05/01/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide proof of 12 months payment history for primary address as it is not in file. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. UW Response: Regarding the borrower's primary residence; They have owned this property since XXX. The previous mortgage with XXXX is showing on credit and evidence of paid T&I are in file. That property was refinanced with us and title confirmed the property was free & clear. - Seller-05/01/2025 | Resolved-Property is verified to be Free & Clear, Verified - Resolved<br> - Due Diligence Vendor-05/02/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/02/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3934348 | N/A | N/A |
| XXXX | 2022658 |  |  | Closed | 2025-04-23 08:16 | 2025-04-29 11:36 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. Final CD for Assets - Seller-04/28/2025 <br> Open-Asset 5 Does Not Meet Guideline Requirements Provide proof of documentation for secured borrower funds for $XXXX mention in final 1003 as it is missing from file. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. Final CD for Assets - Seller-04/28/2025<br>| Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3934497 | N/A | N/A |
| XXXX | 2022658 |  |  | Closed | 2025-04-23 08:19 | 2025-04-29 10:16 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/29/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/28/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/28/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/29/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3934569 | N/A | N/A |
| XXXX | 2022658 |  |  | Closed | 2025-04-23 07:31 | 2025-04-29 10:14 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. Title Supp for loan amount - Seller-04/28/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Provide title document covering full loan amount of $XXXX as the one on file shows policy amount as $XXXX for proposed insured Kind lending. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. Title Supp for loan amount - Seller-04/28/2025<br>| Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-04/29/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/29/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 3934131 | N/A | N/A |
| XXXX | 2022658 |  |  | Closed | 2025-04-23 08:03 | 2025-04-28 10:08 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/28/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-04/25/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. XXXX - Seller-04/25/2025 | Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/28/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/28/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3934377 | N/A | N/A |
| XXXX | 2022673 |  |  | Closed | 2025-04-24 11:29 | 2025-04-29 10:38 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/29/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/28/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/28/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/29/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | VA | Primary Residence | Purchase | NA | 3948328 | N/A | N/A |
| XXXX | 2022583 |  |  | Closed | 2025-04-25 10:36 | 2025-05-05 09:34 | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Access letter uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/05/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/02/2025 <br>Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Both Asset 1 and 2 showing Borrower and other name, however there is no LOX or access letter regarding both assets belongs to borrower and other. - Due Diligence Vendor-04/25/2025 |  | Resolved-Access letter uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/05/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-05/05/2025<br>| XXXX |  |  | TN | Investment | Purchase | NA | 3960494 | N/A | N/A |
| XXXX | 2022672 |  |  | Closed | 2025-04-26 14:42 | 2025-05-01 11:40 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Corrected 1008 received. Issue resolved. - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-04/30/2025 <br>Open-Qualifying FICO on the 1008 Page is '770' or blank, but the Qualifying FICO from the Credit Liabilities Page is '781' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. • Per guidelines: "DSCR Documentation: Determine a decision credit score for each borrower/guarantor (lower of two or middle of three), use highest decision credit score amongst all borrowers/guarantors to determine loan eligibility." The 1008 shows the lowest of the two borrowers (770); However, the higher FICO (781) should be used, per these guidelines. - Due Diligence Vendor-04/26/2025 | Ready for Review-Document Uploaded. 1008 - Seller-04/30/2025<br>| Resolved-Corrected 1008 received. Issue resolved. - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3971948 | N/A | N/A |
| XXXX | 2022672 |  |  | Closed | 2025-04-25 11:40 | 2025-05-01 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract Document provided.<br> - Due Diligence Vendor-05/01/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. Purchase Agreement - Seller-04/30/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing • The complete Purchase Agreement document is missing from the loan file. The only document provided was a one-page Addendum. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Purchase Agreement - Seller-04/30/2025<br>| Resolved-Purchase Contract Document provided.<br> - Due Diligence Vendor-05/01/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3960903 | N/A | N/A |
| XXXX | 2022672 |  |  | Closed | 2025-04-25 12:01 | 2025-05-01 11:06 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist<br> - Due Diligence Vendor-05/01/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/30/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The XXXX Summary document shows a total of 3 Medium alerts, none of which were cleared; and 4 Low alerts, none of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/30/2025<br>| Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist<br> - Due Diligence Vendor-05/01/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3961053 | N/A | N/A |
| XXXX | 2022672 |  |  | Closed | 2025-04-25 11:24 | 2025-04-28 18:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The complete Deed of Trust was provided. Issue resolved. - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. Prepay Rider - Seller-04/28/2025 <br>Open-The Deed of Trust is Missing • The Deed of Trust and the attached Prepayment Fixed Percentage Rider is missing from the file. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Prepay Rider - Seller-04/28/2025<br>| Resolved-The complete Deed of Trust was provided. Issue resolved. - Due Diligence Vendor-04/28/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3960795 | N/A | N/A |
| XXXX | 2022664 |  |  | Closed | 2025-04-28 08:58 | 2025-05-02 10:21 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-100% replacement cost, Hazard Insurance Coverage Amount is equal to Required Coverage Amount, Verified - Resolved - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. 100% replacement cost form the agent - Seller-05/01/2025 <br> Open-Hazard Insurance Coverage Amount is XXXX less than Required Coverage Amount XXXX - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. 100% replacement cost form the agent - Seller-05/01/2025<br>| Resolved-100% replacement cost, Hazard Insurance Coverage Amount is equal to Required Coverage Amount, Verified - Resolved - Due Diligence Vendor-05/02/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3976007 | N/A | N/A |
| XXXX | 2022664 |  |  | Closed | 2025-04-28 16:29 | 2025-04-30 19:06 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3981103 | N/A | N/A |
| XXXX | 2022664 |  |  | Closed | 2025-04-28 08:35 | 2025-04-29 10:41 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-04/28/2025 <br> Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. XXXX - Seller-04/28/2025 | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3975946 | N/A | N/A |
| XXXX | 2031368 |  |  | Closed | 2025-04-28 09:49 | 2025-04-30 11:30 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report wth all cleared alerts as the one on file shows uncleared alert. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3976170 | N/A | N/A |
| XXXX | 2031368 |  |  | Closed | 2025-04-28 09:29 | 2025-04-30 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/29/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide GAP credit report as it is missing from file. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/29/2025<br>| Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3976096 | N/A | N/A |
| XXXX | 2031368 |  |  | Closed | 2025-04-28 09:34 | 2025-04-29 10:05 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Collateral Underwriter with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/29/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. Fannie SSR - Seller-04/28/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. XXXX - Seller-04/28/2025 | Resolved-Collateral Underwriter with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/29/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3976109 | N/A | N/A |
| XXXX | 2022666 |  |  | Closed | 2025-04-28 16:07 | 2025-05-14 13:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/14/2025 <br> Resolved-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. Final CD. It is common for us to prepare the Closing package a day or more in advance. <br> Our CD will always capture the day it was prepared or issued; however, it also indicates the Closing date as XXXX, and the borrowers signed on XXXX. This is our final CD. <br>- Seller-04/28/2025 <br> Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. Final CD. It is common for us to prepare the Closing package a day or more in advance. <br> Our CD will always capture the day it was prepared or issued; however, it also indicates the Closing date as XXXX, and the borrowers signed XXXX. This is our final CD. <br>- Seller-04/28/2025 | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/14/2025 <br>Resolved-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3980788 | N/A | N/A |
| XXXX | 2022666 |  |  | Closed | 2025-04-25 08:57 | 2025-05-14 13:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-05/14/2025 <br>Resolved-income worksheet provided - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. Income Worksheet - Seller-05/09/2025 <br>Counter-income worksheet provided is not for this borrower/transaction. please provide correct income worksheet- asset depletion - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. Updated Income Worksheet with updated 1003/1008 - Seller-05/06/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender asset utilization worksheet on page #562 shows qualifying income as $2,363.83. However per the final 1003 and 1008, asset utilization income was $5,000. Provide lender worksheet validating this $5,000 income. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Income Worksheet - Seller-05/09/2025 <br>Ready for Review-Document Uploaded. Updated Income Worksheet with updated 1003/1008 - Seller-05/06/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-05/14/2025 <br>Resolved-income worksheet provided - Due Diligence Vendor-05/12/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3960061 | N/A | N/A |
| XXXX | 2022666 |  |  | Closed | 2025-04-25 09:21 | 2025-05-14 13:24 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/14/2025 <br> Resolved-document provided - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. VOM on credit report - Seller-04/29/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide proof of 12-months housing history as borrower is renting at current address of XXXX for 8 months but no VOR on file. Also, no payment history for prior address of XXXX on file. (The check on page #382 and LOE on page #496 doesn't cover 12 month period). - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. VOM on credit report - Seller-04/29/2025<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/14/2025 <br>Resolved-document provided - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3960128 | N/A | N/A |
| XXXX | 2022666 |  |  | Closed | 2025-04-25 09:21 | 2025-05-14 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/14/2025 <br>Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/29/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide B1 GAP credit report as it is missing from file. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/29/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/14/2025 <br>Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3960129 | N/A | N/A |
| XXXX | 2022666 |  |  | Closed | 2025-04-25 09:21 | 2025-05-14 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/14/2025 <br>Resolved-Borrower 2 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/29/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Provide B2 GAP credit report as it is missing from file. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/29/2025<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/14/2025 <br>Resolved-Borrower 2 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3960130 | N/A | N/A |
| XXXX | 2022666 |  |  | Closed | 2025-04-25 09:55 | 2025-04-30 10:26 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the on file shows uncleared alerts. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3960266 | N/A | N/A |
| XXXX | 2022666 |  |  | Closed | 2025-04-25 09:02 | 2025-04-30 10:05 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Updated Final 1003 and 1008 with corrected income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. Updated Income on 1003/1008 - Seller-04/29/2025 <br> Open-B2 Social security income per SSA ward letter on page#702 is $XXX. However, per the final 1003 and 1008, it is $XXX. Provide proof of income document validating this $XXX amount. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Updated Income on 1003/1008 - Seller-04/29/2025<br>| Resolved-Updated Final 1003 and 1008 with corrected income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3960077 | N/A | N/A |
| XXXX | 2022660 |  |  | Closed | 2025-04-28 12:30 | 2025-04-30 10:37 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-12 Months of Rent Verification uploaded, Housing History Meets Guideline Requirements, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. Rental Payments - Seller-04/29/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower rents the primary residence for $XXXX at XXXX but there is no 12 months rent history and there is no VOR available in the file. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. Rental Payments - Seller-04/29/2025<br>| Resolved-12 Months of Rent Verification uploaded, Housing History Meets Guideline Requirements, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3977307 | N/A | N/A |
| XXXX | 2022660 |  |  | Closed | 2025-04-28 06:08 | 2025-04-30 10:36 | Resolved | 1 - Information C A | Credit | Assets | Asset 6 Does Not Meet Guideline Requirements | Resolved-Updated Final 1003 with other asset removed uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br> Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. 1003 - Seller-04/29/2025 <br> Open-Asset 6 Does Not Meet Guideline Requirements We have Other Assets/Non Liquid Funds $XXXX as per the Final 1003 but proof of document is missing in file, please provide. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. 1003 - Seller-04/29/2025<br>| Resolved-Updated Final 1003 with other asset removed uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br>Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3975509 | N/A | N/A |
| XXXX | 2022660 |  |  | Closed | 2025-04-28 06:17 | 2025-04-30 10:35 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3975541 | N/A | N/A |
| XXXX | 2022670 |  |  | Closed | 2025-04-25 04:29 | 2025-04-30 10:28 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3958799 | N/A | N/A |
| XXXX | 2022670 |  |  | Closed | 2025-04-25 03:46 | 2025-04-29 09:44 | Resolved | 1 - Information C A | Credit | Doc Issue | Prepayment Rider Missing | Resolved-Prepayment Rider uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. Prepay Rider - Seller-04/28/2025 <br>Open-Provide prepayment rider as it is missing from file. (Page #11 shows prepayment addendum but not prepayment rider) - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Prepay Rider - Seller-04/28/2025<br>| Resolved-Prepayment Rider uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3958705 | N/A | N/A |
| XXXX | 2022668 |  |  | Closed | 2025-04-26 18:26 | 2025-04-30 13:06 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-RCE provided. Resolved. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. RCE - Seller-04/29/2025 <br> Open-Coverage of $XXXX + 25% Additional Coverage = $XXXX Dwelling Coverage is insufficient coverage for Loan Amount $XXXX. RCE not provided. - Due Diligence Vendor-04/26/2025 | Ready for Review-Document Uploaded. RCE - Seller-04/29/2025<br>| Resolved-RCE provided. Resolved. - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3972527 | N/A | N/A |
| XXXX | 2022668 |  |  | Closed | 2025-04-26 18:17 | 2025-04-30 13:04 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Payment schedule for Student loans provided. DTI confirmed. Resolved. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. Evidence supporting student loan payments - Seller-04/29/2025 <br>Open-Student Loan payments reflected on Final 1003 do not meet GL's. Per GL's monthly payments can come from payment on student loan documentation, payment equal to 1% of th outstanding balance or fully amortizing payment using documented repayment terms. No Student loan documentation provided and payments do not equal 1% of outstanding balances shown on credit report. - Due Diligence Vendor-04/26/2025 | Ready for Review-Document Uploaded. Evidence supporting student loan payments - Seller-04/29/2025<br>| Resolved-Payment schedule for Student loans provided. DTI confirmed. Resolved. - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3972488 | N/A | N/A |
| XXXX | 2022668 |  |  | Closed | 2025-04-25 13:57 | 2025-04-30 09:44 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 <br>Open-Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3962290 | N/A | N/A |
| XXXX | 2022667 |  |  | Closed | 2025-04-28 15:59 | 2025-05-01 11:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate Lock/Approval provided. Resolved. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. XXXX Lock Confirmation - Seller-04/29/2025 <br> Open-Rate Lock/Approval missing from file. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. XXXX Lock Confirmation - Seller-04/29/2025 | Resolved-Rate Lock/Approval provided. Resolved. - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | WY | Primary Residence | Refinance | Cash Out - Other | 3980666 | N/A | N/A |
| XXXX | 2022667 |  |  | Closed | 2025-04-28 05:15 | 2025-04-30 11:31 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud report in file shows uncleared alerts. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/29/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | WY | Primary Residence | Refinance | Cash Out - Other | 3975337 | N/A | N/A |
| XXXX | 2036244 |  |  | Closed | 2025-04-30 17:40 | 2025-05-09 22:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-CPA Letter provided showing borrower has account access. - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Open-The borrower owns 36.33 % of the business. The income is 12 months Business Bank Bank Statements. Requesting access letter. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-CPA Letter provided showing borrower has account access. - Due Diligence Vendor-05/09/2025<br>| XXXX |  |  | MD | Second Home | Refinance | Cash Out - Other | 4006955 | N/A | N/A |
| XXXX | 2036244 |  |  | Closed | 2025-04-29 08:43 | 2025-05-08 09:55 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/08/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation is missing per guideline.(CU > 2.5 or no score = ARR or CCA Required, 10% variance allowed) <br>- Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Secondary Valuation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/08/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/08/2025<br>| XXXX |  |  | MD | Second Home | Refinance | Cash Out - Other | 3989152 | N/A | N/A |
| XXXX | 2036244 |  |  | Closed | 2025-04-29 09:07 | 2025-05-05 21:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. - Seller-05/01/2025 <br>Open-Missing Third Party Fraud Report provide SAM. Gov, HUD Denial Letter - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/01/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/05/2025<br>| XXXX |  |  | MD | Second Home | Refinance | Cash Out - Other | 3989249 | N/A | N/A |
| XXXX | 2016423 |  |  | Closed | 2025-04-30 11:27 | 2025-05-21 14:07 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Fees: Limited | Cured-Received PCCD, check, lox, finding cured - Due Diligence Vendor-05/21/2025 <br>Resolved-Resolved - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/20/2025 <br>Counter-Missing PCCD with LOX - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/19/2025 <br>Counter-Tolerance cure required is $531.8 - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Please advise what the cure amount is - Buyer-05/08/2025 <br>Open-The total amount of the 10% category fees ($707.80) has increased by more than 10% over the current baseline value of ($160.00). The total amount of fees in the 10% category cannot exceed ($176.00). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Recording fee increased on the PCCD - Due Diligence Vendor-04/30/2025 |  | Cured-Received PCCD, check, lox, finding cured - Due Diligence Vendor-05/21/2025 <br>Resolved-Resolved - Due Diligence Vendor-05/21/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4001317 | N/A | N/A |
| XXXX | 2016423 |  |  | Closed | 2025-04-30 21:01 | 2025-05-06 16:41 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Letter of Explanation (Income) | Waived-Exception made for missing lox of declining income - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. Income is under 10% - Seller-05/02/2025 <br>Counter-Per guidelines letter of explanation required regardless of percentage - Due Diligence Vendor-05/01/2025 <br>Ready for Review-income decline < 20 % - no LOE needed - Buyer-05/01/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Open-Missing letter of explanation for declining income - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Income is under 10% - Seller-05/02/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Waived-Exception made for missing lox of declining income - Due Diligence Vendor-05/06/2025<br>| XXXX |  | Credit Score is 767. Minimum required per guidelines is 700.<br> DSCR is 1.43. Minimum required per guidelines is 1. | CA | Primary Residence | Purchase | NA | 4009720 | Originator Post-Close | Yes |
| XXXX | 2016423 |  |  | Closed | 2025-04-30 21:06 | 2025-05-01 17:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Finding resolved, clarification received - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. The UW used the stated $9,000 on the 1003. See attached income worksheet. - Seller-04/30/2025 <br> Open-Income calculation shows borrower owns 100% of business with 50% expense factor. CPA states borrower owns 30% of shares with XXXX employees being listed on the business narrative coming out to an expense factor of 75% required - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. The UW used the stated $9,000 on the 1003. See attached income worksheet. - Seller-04/30/2025<br>| Resolved-Finding resolved, clarification received - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4009745 | N/A | N/A |
| XXXX | 2016443 |  |  | Closed | 2025-05-05 18:20 | 2025-05-08 16:01 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Missing change of circumstance for increased discount points - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Resolved - Due Diligence Vendor-05/08/2025<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 4046660 | N/A | N/A |
| XXXX | 2016443 |  |  | Closed | 2025-04-30 15:19 | 2025-05-07 16:32 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Letter of Explanation (Income) | Waived-Exception made for no LOE for decline income < 10% - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. - Seller-05/06/2025 <br>Counter-Uploaded document does not provide clarification on the declining income, please provide letter of explanation for declining income. - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. - Seller-05/02/2025 <br>Counter-Guidelines require a letter of explanation for declining income - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Open-Missing letter of explanation for declining income - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025 <br>Ready for Review-Document Uploaded. - Seller-05/02/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Waived-Exception made for no LOE for decline income < 10% - Due Diligence Vendor-05/07/2025<br>| XXXX |  | Residual Income is XXX. Minimum Residual Income required per guidelines is $3500. <br> LTV is 40.9%. Maximum allowed per guidelines is 80%.<br> S/E in same business for 30+ yrs for 2nd borrower | OH | Primary Residence | Refinance | Cash Out - Other | 4004353 | Originator Post-Close | Yes |
| XXXX | 2016443 |  |  | Closed | 2025-04-29 15:32 | 2025-05-05 18:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received initial closing disclosure, finding resolved - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/02/2025 <br>Counter-Received title closing disclosure, missing initial closing disclosure - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/30/2025 <br>Open-TRID: Missing Closing Disclosure Missing initial closing disclosure with change of circumstance for increased fees - Due Diligence Vendor-04/29/2025 |  | Resolved-Received initial closing disclosure, finding resolved - Due Diligence Vendor-05/05/2025<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 3993126 | N/A | N/A |
| XXXX | 2016443 |  |  | Closed | 2025-04-29 15:46 | 2025-05-05 17:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received LOX, finding resolved - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. - Seller-05/02/2025 <br>Counter-Missing signature/date from borrower explaining purpose of cash out - Due Diligence Vendor-05/01/2025 <br>Resolved-Purpose of Refinance LOX provided. - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/30/2025 <br>Open-Purpose of Refinance LOX is missing in file. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/02/2025<br>| Resolved-Received LOX, finding resolved - Due Diligence Vendor-05/05/2025 <br>Resolved-Purpose of Refinance LOX provided. - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 3993308 | N/A | N/A |
| XXXX | 2016443 |  |  | Closed | 2025-04-29 15:27 | 2025-05-01 16:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/30/2025 <br> Open-Evidence of Rate Lock Missing Provided LE date XXXX is not locked and we do not have revised LE with rate lock, hence provide rate lock or revised LE with rate lock. - Due Diligence Vendor-04/29/2025 |  | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 3993037 | N/A | N/A |
| XXXX | 2016443 |  |  | Closed | 2025-04-29 15:31 | 2025-05-01 16:38 | Resolved | 1 - Information C A | Compliance | Compliance | Right to cancel process contains multiple deficiencies | Resolved-RTC received, finding resolved - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/30/2025 <br>Open-Right to Cancel Transaction Date and Cancel date is missing in provided Right to cancel document. - Due Diligence Vendor-04/29/2025 |  | Resolved-RTC received, finding resolved - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 3993116 | N/A | N/A |
| XXXX | 2016443 |  |  | Closed | 2025-04-29 15:48 | 2025-05-01 09:28 | Resolved | 1 - Information C A | Credit | Income/Employment | VOE performed more than 10 days prior to closing | Resolved-Verification of business existence within 10 calendar days of closing for both borrowers provided. - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Open-Verification of business existence required within 10 calendar days of closing for both borrowers - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Verification of business existence within 10 calendar days of closing for both borrowers provided. - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 3993351 | N/A | N/A |
| XXXX | 2016443 |  |  | Closed | 2025-04-29 14:16 | 2025-05-01 09:14 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/30/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount - Due Diligence Vendor-04/29/2025 |  | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/01/2025 | XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 3991785 | N/A | N/A |
| XXXX | 2016443 |  |  | Closed | 2025-04-29 14:40 | 2025-05-01 09:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-05/01/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/30/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-04/29/2025 |  | Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-05/01/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 3992091 | N/A | N/A |
| XXXX | 2016443 |  |  | Closed | 2025-04-29 14:40 | 2025-05-01 09:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-05/01/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-05/01/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 3992090 | N/A | N/A |
| XXXX | 2022657 |  |  | Closed | 2025-04-29 07:40 | 2025-05-02 09:48 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/02/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/01/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/01/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/02/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/02/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3988935 | N/A | N/A |
| XXXX | 2022662 |  |  | Closed | 2025-05-08 12:00 | 2025-05-09 14:34 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-05/08/2025 <br>Open-The 1008 document is missing from the loan file. Updated 1003 provided in Income condition, reflects B1 income as $11,696.54 which does not match B1 income on 1008 which reflects $28,393.07. Updated income and DTI on 1008 requested. - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. 1008 - Seller-05/08/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/09/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 4079440 | N/A | N/A |
| XXXX | 2022662 |  |  | Closed | 2025-05-02 02:58 | 2025-05-09 10:45 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Updated Appraisal provided. Resolved - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. Appraisal - Seller-05/08/2025 <br> Open-As per appraisal Subject property city name is "XXXX" but 1004D, Note, DOT, CD, title Reflects as "XXXX". As per USPS Zip code search "XXXX" city not associated with zip code of XXXX.<br> - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Appraisal - Seller-05/08/2025<br>| Resolved-Updated Appraisal provided. Resolved - Due Diligence Vendor-05/09/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 4023075 | N/A | N/A |
| XXXX | 2022662 |  |  | Closed | 2025-05-05 03:30 | 2025-05-08 12:03 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Updated 1003 provided reflecting 50/50 split on joint business. Resolved. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. Updated 1003 - Seller-05/07/2025 <br> Open-As per CPA letter page 206, XXXX and XXXX has each owning 50%, But given 1003 income for XXXX is $XXXX & XXXX, reflects as $XXXX. LOX required for uneven income reflected on 1003. - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. Updated 1003 - Seller-05/07/2025<br>| Resolved-Updated 1003 provided reflecting 50/50 split on joint business. Resolved. - Due Diligence Vendor-05/08/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 4039251 | N/A | N/A |
| XXXX | 2022662 |  |  | Closed | 2025-05-01 12:26 | 2025-05-08 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/08/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. Income Worksheet - Seller-05/07/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Portions of the income worksheets for XXXX and The Property Search Site are illegible. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. Income Worksheet - Seller-05/07/2025<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/08/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-05/08/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 4013381 | N/A | N/A |
| XXXX | 2022662 |  |  | Closed | 2025-05-01 10:40 | 2025-05-07 11:02 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved <br> - Due Diligence Vendor-05/07/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. Updated 1008 - Seller-05/06/2025 <br>Open-Qualifying FICO on the 1008 Page is '725' or blank, but the Qualifying FICO from the Credit Liabilities Page is '746' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per GL 3.1.10- The Borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score but 1008 reflects lower mid score. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-05/06/2025<br>| Resolved-Updated 1008 Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved <br> - Due Diligence Vendor-05/07/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-05/07/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 4012821 | N/A | N/A |
| XXXX | 2033686 |  |  | Closed | 2025-05-15 20:22 | 2025-05-28 15:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Received exception for DTI exceeding guidelines. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. Exception Approval - Seller-05/27/2025 <br>Open-DTI of 46.19 exceeds max of 43% back end DTI. - Due Diligence Vendor-05/15/2025 <br>Open-Audited DTI Exceeds Guideline DTI - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Exception Approval - Seller-05/27/2025<br>| Waived-Received exception for DTI exceeding guidelines. - Due Diligence Vendor-05/28/2025<br>| XXXX |  | 1. Borrower has an LTV at 66.52% and max can be 80% <br> 2. Borrower has a credit score of 785 and all that is required is a score of 720<br> 3. Borrower has residual income of XXX and all that is needed is 3,000 | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4156405 | Originator Pre-Close | Yes |
| XXXX | 2033686 |  |  | Closed | 2025-05-01 08:03 | 2025-05-15 09:16 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Resolved-Borrower 2 Paystubs for 1 Month uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/15/2025 <br>Resolved-Borrower 2 Paystubs Less Than 1 Month Provided Condition Resolved or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. Paystubs - Seller-05/14/2025 <br>Open-Borrower 2 Paystubs Less Than 1 Month Provided Provide 2 months Paystub as the provided one on page 723 is less than month - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. Paystubs - Seller-05/14/2025<br>| Resolved-Borrower 2 Paystubs for 1 Month uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/15/2025 <br>Resolved-Borrower 2 Paystubs Less Than 1 Month Provided Condition Resolved or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/15/2025<br>| XXXX |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4011689 | N/A | N/A |
| XXXX | 2033686 |  |  | Closed | 2025-05-01 07:41 | 2025-05-15 09:15 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Short Form Residential Loan Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br>- Due Diligence Vendor-05/15/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. Final Title Policy - Seller-05/14/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Provide updated title as the loan amount is less than actual loan amount in title page 971 - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. Final Title Policy - Seller-05/14/2025<br>| Resolved-Short Form Residential Loan Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br>- Due Diligence Vendor-05/15/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/15/2025 | XXXX |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4011606 | N/A | N/A |
| XXXX | 2033686 |  |  | Closed | 2025-05-01 07:54 | 2025-05-13 12:50 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Updated 1008, `003, and the employment page. - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. Income Worksheet - Seller-05/12/2025 <br>Counter-Worksheet came over not in clear format - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. Updated Income Worksheet with updated 1003/1008 - Seller-05/06/2025 <br>Open-As per CPA letter page 389,390 and Business narrative page 671 B1 ownership is 33.33% whereas as per income sheet page 402 percentage of ownership showing 100% and income is qualifying using 100%. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. Income Worksheet - Seller-05/12/2025 <br>Ready for Review-Document Uploaded. Updated Income Worksheet with updated 1003/1008 - Seller-05/06/2025<br>| Resolved-Updated 1008, `003, and the employment page. - Due Diligence Vendor-05/13/2025<br>| XXXX |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4011654 | N/A | N/A |
| XXXX | 2033686 |  |  | Closed | 2025-05-01 08:49 | 2025-05-05 10:19 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-05/02/2025 <br>Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-05/02/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/05/2025<br>| XXXX |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4012333 | N/A | N/A |
| XXXX | 2022656 |  |  | Closed | 2025-05-02 08:28 | 2025-05-08 15:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/08/2025 <br>Resolved-provided updated 1003 with years in industry - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. 1003 - Seller-05/06/2025 <br>Open-The Final 1003 is Incomplete Years of industry is blank on Final 1003 page. Provide a corrected 1003 with years in industry info. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. 1003 - Seller-05/06/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-05/08/2025 <br>Resolved-provided updated 1003 with years in industry - Due Diligence Vendor-05/07/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 4024270 | N/A | N/A |
| XXXX | 2022656 |  |  | Closed | 2025-05-02 18:52 | 2025-05-08 14:52 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Document Preparation Fee (Fee ID: 104) | Resolved- - Due Diligence Vendor-05/08/2025 <br>Open-added<br> - Due Diligence Vendor-05/07/2025 <br>Resolved-resolved - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. Compliance Response: I do not see where we are charging a Document Preparation Fee on either the Final CD or PCCD. I do see that the title company is charging Deed Preparation, but that is the title company and not the Lender. Attached is the Final CD and the PCCD. - Seller-05/05/2025 <br>Open-Section 3:1-16.2 of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. 3:1-16.2) does not allow Document Preparation Fee (Fee ID: 104) to be charged to the Borrower in NJ. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Compliance Response: I do not see where we are charging a Document Preparation Fee on either the Final CD or PCCD. I do see that the title company is charging Deed Preparation, but that is the title company and not the Lender. Attached is the Final CD and the PCCD. - Seller-05/05/2025<br>| Resolved- - Due Diligence Vendor-05/08/2025 <br>Resolved-resolved - Due Diligence Vendor-05/06/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 4031380 | N/A | N/A |
| XXXX | 2022656 |  |  | Closed | 2025-05-02 09:47 | 2025-05-07 10:30 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/06/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/06/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/07/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 4024874 | N/A | N/A |
| XXXX | 2022656 |  |  | Closed | 2025-05-05 19:05 | 2025-05-06 14:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/06/2025 <br>Resolved-resolved - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. Final CD - Seller-05/05/2025 <br>Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. Final CD - Seller-05/05/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/06/2025 <br>Resolved-resolved - Due Diligence Vendor-05/06/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 4047567 | N/A | N/A |
| XXXX | 2022656 |  |  | Closed | 2025-05-02 10:51 | 2025-05-08 14:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-05/08/2025 <br>Resolved- - Due Diligence Vendor-05/08/2025 <br>Resolved-The loan's (9.123%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#365, and the Final Closing disclosure on Pg#201, Finding reflects escrows. Rate lock date was entered correctly – see Pg#' 408-410,397. An interior and exterior appraisal was completed for this property – see pg# 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'67,66, and confirmation the appraisal was delivered to the borrower – see Pg#'278. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/08/2025 <br>Resolved-The loan's (9.123%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#365, and the Final Closing disclosure on Pg#201, Finding reflects escrows. Rate lock date was entered correctly – see Pg#' 408-410,397. An interior and exterior appraisal was completed for this property – see pg# 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'67,66, and confirmation the appraisal was delivered to the borrower – see Pg#'67,66. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/02/2025 |  | Resolved- - Due Diligence Vendor-05/08/2025 <br>Resolved- - Due Diligence Vendor-05/08/2025 <br>Resolved-The loan's (9.123%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#365, and the Final Closing disclosure on Pg#201, Finding reflects escrows. Rate lock date was entered correctly – see Pg#' 408-410,397. An interior and exterior appraisal was completed for this property – see pg# 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'67,66, and confirmation the appraisal was delivered to the borrower – see Pg#'278. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/08/2025 <br>Resolved-The loan's (9.123%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#365, and the Final Closing disclosure on Pg#201, Finding reflects escrows. Rate lock date was entered correctly – see Pg#' 408-410,397. An interior and exterior appraisal was completed for this property – see pg# 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'67,66, and confirmation the appraisal was delivered to the borrower – see Pg#'67,66. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/02/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 4025165 | N/A | N/A |
| XXXX | 2022659 |  |  | Closed | 2025-05-02 10:12 | 2025-05-07 10:54 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. `Cleared Alerts - Seller-05/06/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated Fraud report. Fraud report shows uncleared alerts - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. `Cleared Alerts - Seller-05/06/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/07/2025<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4024997 | N/A | N/A |
| XXXX | 2022659 |  |  | Closed | 2025-05-05 13:52 | 2025-05-06 14:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Received final Hud - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Final HUD signed by all parties - Seller-05/05/2025 <br> Open-Final HUD-1 Document is Missing. Need the final Hud stamped and certfied one in file shows borrower getting XXXX at closing - Due Diligence Vendor-05/05/2025 | Ready for Review-Final HUD signed by all parties - Seller-05/05/2025<br>| Resolved-Received final Hud - Due Diligence Vendor-05/06/2025<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 4041831 | N/A | N/A |
| XXXX | 2022749 |  |  | Closed | 2025-05-07 02:01 | 2025-05-16 14:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/16/2025 <br>Open-. - Due Diligence Vendor-05/09/2025 <br>Resolved-The loan's (8.323%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 264 and the Final Closing disclosure on Pg#'s 144, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 137. An interior and exterior appraisal was completed for this property – see pg# 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 331, and confirmation the appraisal was delivered to the borrower – see Pg#'s 23. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/09/2025 |  | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/16/2025 <br>Resolved-The loan's (8.323%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 264 and the Final Closing disclosure on Pg#'s 144, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 137. An interior and exterior appraisal was completed for this property – see pg# 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 331, and confirmation the appraisal was delivered to the borrower – see Pg#'s 23. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/09/2025<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4064752 | N/A | N/A |
| XXXX | 2022669 |  |  | Closed | 2025-05-07 06:24 | 2025-05-12 10:27 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/09/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide fraud report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/09/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/12/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 4065473 | N/A | N/A |
| XXXX | 2022654 |  |  | Closed | 2025-05-06 12:32 | 2025-05-14 14:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-05/12/2025 <br>Open-Final HUD-1 Document is Missing. Provide true and certified HUD as the one on file is missing borrower & settlement agent sign. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-05/12/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | MS | Investment | Purchase | NA | 4054076 | N/A | N/A |
| XXXX | 2022654 |  |  | Closed | 2025-05-06 12:13 | 2025-05-13 10:32 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXX Provided. - Due Diligence Vendor-05/13/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-05/12/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. XXXX - Seller-05/12/2025 | Resolved-XXXX Provided. - Due Diligence Vendor-05/13/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/13/2025 | XXXX |  |  | MS | Investment | Purchase | NA | 4053891 | N/A | N/A |
| XXXX | 2016446 |  |  | Closed | 2025-05-08 16:50 | 2025-05-20 15:13 | Waived | 2 - Non-Material C B | Compliance | Broker:LimitFees | Tennessee - Max Broker Fees (RLBSA) | Waived-Per Counsel, appropriate to waive as a B - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Please see attached compliance report- XXXX should not need to provide regulation showing exemption. Selene knows we are DIDMCA exempt per our HUD approval. - Seller-05/19/2025 <br> Counter-Please provide complete test for our reviews. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. - Seller-05/14/2025 <br> Counter-Missing regulation that shows exemption - Due Diligence Vendor-05/14/2025 <br> Ready for Review-we are DIDMCA exempt on first liens due to our HUD approval so this should not apply. - Seller-05/13/2025 <br> Open-The total of all fees paid by the borrower to the broker ($XXXX) exceeds 2% of the loan amount ($XXXX). The Tennessee Residential Lending, Brokerage, and Servicing Act limits the brokerage commission to 2% of the loan amount. Brokerage commissions include all fees paid to parties for services performed in the origination and placement of mortgage loans with third party lenders, whether the loans are closed directly in the name of the lender or in the name of another party with the intention to sell and transfer the loan; provided such sale or transfer is completed within one year from closing. (Tenn. Code Ann. 47-14-113(c); TN ADC 0180-17-.07(2)) - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. Please see attached compliance report- XXXX should not need to provide regulation showing exemption. Selene knows we are DIDMCA exempt per our HUD approval. - Seller-05/19/2025 <br> Ready for Review-Document Uploaded. - Seller-05/14/2025 <br> Ready for Review-we are DIDMCA exempt on first liens due to our HUD approval so this should not apply. - Seller-05/13/2025 | Waived-Per Counsel, appropriate to waive as a B - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | TN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4083430 | Originator Post-Close | No |
| XXXX | 2016446 |  |  | Closed | 2025-05-09 13:37 | 2025-05-20 14:53 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Received LOX and clarification, finding resolved - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. - Seller-05/19/2025 <br>Open-1. Expense factor listed at 15%, business narrative is stating there are 2 full time employees/contractors, CPA does not state expense factor of 15%, per guidelines incorrect expense factor listed.<br> 2. Most recent 6 months show a decline in income, income calculation used 24 month average - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. - Seller-05/19/2025<br>| Resolved-Received LOX and clarification, finding resolved - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | TN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4092990 | N/A | N/A |
| XXXX | 2016446 |  |  | Closed | 2025-05-07 16:34 | 2025-05-20 14:51 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Fees: Limited | Cured-Received PCCD, check, lox finding cured - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/19/2025 <br>Open-The total amount of the 10% category fees on the last Closing Disclosure ($222.00) has increased by more than 10% over the current baseline value of ($189.00). The total amount of fees in the 10% category cannot exceed ($207.90). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Recording fee increased more than 10% in Final CD however there is no COC for same. - Due Diligence Vendor-05/07/2025 |  | Cured-Received PCCD, check, lox finding cured - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | TN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4070887 | N/A | N/A |
| XXXX | 2016446 |  |  | Closed | 2025-05-08 16:39 | 2025-05-14 20:40 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Finding resolved, clarification received - Due Diligence Vendor-05/14/2025 <br> Ready for Review-No exception needed- its case by case XXXX allows in a rural area. - Seller-05/13/2025 <br> Open-Loan does not conform to program guidelines Matrix stating rural properties are case by case basis. - Due Diligence Vendor-05/08/2025 | Ready for Review-No exception needed- its case by case XXXX allows in a rural area. - Seller-05/13/2025 | Resolved-Finding resolved, clarification received - Due Diligence Vendor-05/14/2025<br>|  |  |  | TN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4083333 | N/A | N/A |
| XXXX | 2016446 |  |  | Closed | 2025-05-09 13:38 | 2025-05-14 20:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-LOX received, finding resolved - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/13/2025 <br>Open-Missing letter of explanation for declining income - Due Diligence Vendor-05/09/2025 |  | Resolved-LOX received, finding resolved - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | TN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4093001 | N/A | N/A |
| XXXX | 2033687 |  |  | Closed | 2025-05-11 14:58 | 2025-05-15 09:24 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/15/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/14/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-05/11/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/14/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/15/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/15/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 4108041 | N/A | N/A |
| XXXX | 2031306 |  |  | Closed | 2025-05-14 22:48 | 2025-05-27 15:35 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Income - Bank Statements | Waived- 2 most recent bank statements showing consecutive rental payments for month to month lease requirement. Investor approval - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/26/2025 <br>Counter-Investor approval required. Number of property units exceeds eligibility for RMBS securitization. - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. - Seller-05/19/2025 <br>Open-Please provide the 2 most recent bank statements showing consecutive rental payments for month to month lease requirement. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. - Seller-05/19/2025<br>| Waived- 2 most recent bank statements showing consecutive rental payments for month to month lease requirement. Investor approval - Due Diligence Vendor-05/27/2025<br>| XXXX |  | DSCR is 1.08. Minimum required per guidelines is 1.<br> Credit Score is 818. Minimum required per guidelines is 700.<br> No credit lates confirmed (0 x 30 for 60+ months)<br> LTV is 57.32%. Maximum allowed per guidelines is 65%.<br> 3 years ownership in property. Minimum experience is 1 year of ownership in the past 3 years | CA | Investment | Refinance | Cash Out - Other | 4145053 | Originator Post-Close | Yes |
| XXXX | 2031306 |  |  | Closed | 2025-05-14 22:58 | 2025-05-27 15:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines XXX of the XXX units are less than XXX sq ft, Actual size XXX. Investor approval - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. - Seller-05/26/2025 <br> Counter-Investor approval required. Number of property units exceeds eligibility for RMBS securitization. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/19/2025 <br> Open-Loan does not conform to program guidelines XXX of the XXX units are less than XXX sq ft, Actual size XXX - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. - Seller-05/26/2025<br>| Waived-Loan does not conform to program guidelines XXX of the XXX units are less than XXX sq ft, Actual size XXX. Investor approval - Due Diligence Vendor-05/27/2025 | XXXX |  | DSCR is 1.08. Minimum required per guidelines is 1.<br> Credit Score is 818. Minimum required per guidelines is 700.<br> No credit lates confirmed (0 x 30 for 60+ months)<br> LTV is 57.32%. Maximum allowed per guidelines is 65%.<br> 3 years ownership in property. Minimum experience is 1 year of ownership in the past 3 years | CA | Investment | Refinance | Cash Out - Other | 4145115 | Originator Post-Close | Yes |
| XXXX | 2031306 |  |  | Closed | 2025-05-11 01:29 | 2025-05-27 15:34 | Waived | 2 - Non-Material C B | Property | Property | Property Type does not meet eligibility requirement(s) | Waived-Property Type does not meet eligibility requirement per matrix only 5-8 units allowed. Investor approval. - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/26/2025 <br>Counter-Investor approval required. Number of property units exceeds eligibility for RMBS securitization. - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/19/2025 <br>Open-Property Type does not meet eligibility requirement per matrix only 5-8 units allowed. - Due Diligence Vendor-05/11/2025 <br>Open- - Due Diligence Vendor-05/11/2025 |  | Waived-Property Type does not meet eligibility requirement per matrix only 5-8 units allowed. Investor approval. - Due Diligence Vendor-05/27/2025<br>| XXXX |  | DSCR is 1.08. Minimum required per guidelines is 1.<br> Credit Score is 818. Minimum required per guidelines is 700.<br> No credit lates confirmed (0 x 30 for 60+ months)<br> LTV is 57.32%. Maximum allowed per guidelines is 65%.<br> 3 years ownership in property. Minimum experience is 1 year of ownership in the past 3 years | CA | Investment | Refinance | Cash Out - Other | 4106744 | Originator Post-Close | Yes |
| XXXX | 2031307 |  |  | Closed | 2025-05-10 12:33 | 2025-05-27 21:34 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 59.35 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/27/2025 <br> Resolved-Document received, data updated. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. - Seller-05/26/2025 <br> Counter-Missing signature/date from cd, closing date shows XXXX, note date is XXXX - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. - Seller-05/16/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) HUD is missing hence can't able to update Cash to borrower amount. - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. - Seller-05/26/2025 <br>Ready for Review-Document Uploaded. - Seller-05/16/2025<br>| Resolved-Audited Reserves of 59.35 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/27/2025 <br>Resolved-Document received, data updated. - Due Diligence Vendor-05/27/2025<br>| XXXX |  |  | AL | Investment | Refinance | Cash Out - Other | 4104896 | N/A | N/A |
| XXXX | 2031307 |  |  | Closed | 2025-05-14 17:00 | 2025-05-27 21:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-FINAL HUD-1 OR FINAL SETTLEMENT STATEMENT contains correct note date XXXX Due Diligence Vendor-05/27/2025 <br> Resolved-Received note/dot, finding resolved - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. - Seller-05/19/2025 <br> Open-The Final 1003 is Incomplete Final 1003 L.3 section states loan has a prepayment pentalty - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. - Seller-05/19/2025<br>| Resolved-FINAL HUD-1 OR FINAL SETTLEMENT STATEMENT contains correct note date XXXX - Due Diligence Vendor-05/27/2025 <br> Resolved-Received note/dot, finding resolved - Due Diligence Vendor-05/21/2025 | XXXX |  |  | AL | Investment | Refinance | Cash Out - Other | 4140381 | N/A | N/A |
| XXXX | 2031307 |  |  | Closed | 2025-05-10 12:48 | 2025-05-27 16:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. Note date to XXXX was corrected and replaced just uploaded incorrect docs - Buyer-05/26/2025 <br> Counter-Please provide clarification on having multiple notes, we currently have one dated XXXX and another dated XXXX. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/21/2025 <br> Counter-Missing signature/date from cd, closing date shows XXXX, note date is XXXX - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. - Seller-05/16/2025 <br> Open-Final HUD-1 Document is Missing. - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. - Seller-05/16/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/27/2025<br>| XXXX |  |  | AL | Investment | Refinance | Cash Out - Other | 4104936 | N/A | N/A |
| XXXX | 2031307 |  |  | Closed | 2025-05-10 16:34 | 2025-05-23 19:24 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Received lease agreements, finding resolved - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. - Seller-05/21/2025 <br>Counter-Please clarify, 1008 states 1 unit is vacant, 5 leases in file out of the 7 units - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/16/2025 <br>Open-Missing DSCR calculation. Rental deposits do not match rental agreements amounts listed - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. - Seller-05/21/2025<br>| Resolved-Received lease agreements, finding resolved - Due Diligence Vendor-05/23/2025<br>| XXXX |  |  | AL | Investment | Refinance | Cash Out - Other | 4105774 | N/A | N/A |
| XXXX | 2031307 |  |  | Closed | 2025-05-10 13:03 | 2025-05-20 11:12 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender Approval form indicates there is 5yr prepayment penalty, Provided Updated Note which has 5yr prepayment, Changes Made in system, Finding Rescinded<br> - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. - Seller-05/19/2025 <br>Open-As per provided Note document there is no Prepayment penalty, however Loan approval cert loan program showing 5 years prepayment. - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. - Seller-05/19/2025<br>| Resolved-Lender Approval form indicates there is 5yr prepayment penalty, Provided Updated Note which has 5yr prepayment, Changes Made in system, Finding Rescinded<br> - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | AL | Investment | Refinance | Cash Out - Other | 4104992 | N/A | N/A |
| XXXX | 2031307 |  |  | Closed | 2025-05-10 12:33 | 2025-05-14 20:27 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX Exception made for $XXXX loan amount - Due Diligence Vendor-05/10/2025 |  | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX Exception made for $XXXX loan amount - Due Diligence Vendor-05/10/2025 |  |  | Credit Score is 723. Minimum required per guidelines is 700.<br> DSCR is 1.2. Minimum required per guidelines is 1. | AL | Investment | Refinance | Cash Out - Other | 4104895 | Originator Pre-Close | Yes |
| XXXX | 2031304 |  |  | Closed | 2025-05-10 10:32 | 2025-05-20 10:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-property is Unleased, Asked for Lox, provided LOX for unleased as property is in renovation, Changes made in system, Finding Rescinded - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/19/2025 <br>Open-Required LOX for un-leased property. - Due Diligence Vendor-05/10/2025 |  | Resolved-property is Unleased, Asked for Lox, provided LOX for unleased as property is in renovation, Changes made in system, Finding Rescinded - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | MD | Investment | Refinance | Cash Out - Other | 4104455 | N/A | N/A |
| XXXX | 2031304 |  |  | Closed | 2025-05-10 10:34 | 2025-05-14 19:03 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out is not completed according to the guideline requirements Exception page #90 is made for CASH OUT SEASONING - Borrower purchased home a year ago with cash. In XXXX he took out a business loan for his consulting business and was unaware they were using the subject property as collateral. When we got title back we realized the lien. It is not a mortgage. It will be paid off at closing. - Due Diligence Vendor-05/10/2025 |  | Waived-Cash Out is not completed according to the guideline requirements Exception page #90 is made for CASH OUT SEASONING - Borrower purchased home a year ago with cash. In XXXX he took out a business loan for his consulting business and was unaware they were using the subject property as collateral. When we got title back we realized the lien. It is not a mortgage. It will be paid off at closing. - Due Diligence Vendor-05/10/2025 |  |  | DSCR is 1.328. Minimum required per guidelines is 1.<br> No history of derogatory credit. 0X30, 30 month mortgage | MD | Investment | Refinance | Cash Out - Other | 4104467 | Originator Pre-Close | Yes |
| XXXX | 2022584 |  |  | Closed | 2025-05-12 09:31 | 2025-05-16 16:00 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Articles of Incorporation or comparable documents for LLC provided. - Due Diligence Vendor-05/16/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. - Seller-05/15/2025 <br>Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-Articles of Incorporation or comparable documents for LLC provided. - Due Diligence Vendor-05/16/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-05/16/2025<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109693 | N/A | N/A |
| XXXX | 2022584 |  |  | Closed | 2025-05-12 09:31 | 2025-05-16 16:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Third party market rent estimate (1007) document provided under Appraisals. - Due Diligence Vendor-05/16/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-05/16/2025 <br>Ready for Review-See both uploaded appraisals - Buyer-05/15/2025 <br>Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a 1007, 1025, etc. Third party market rent estimate is missing in file. - Due Diligence Vendor-05/12/2025 |  | Resolved-Third party market rent estimate (1007) document provided under Appraisals. - Due Diligence Vendor-05/16/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-05/16/2025<br>|  |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109694 | N/A | N/A |
| XXXX | 2022584 |  |  | Closed | 2025-05-12 10:25 | 2025-05-16 15:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 21.81 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-05/16/2025 <br>Resolved-ALTA Settlement Statement provided. Audited Reserves of 23.18 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-05/16/2025 <br>Resolved-Audited Reserves of 23.18 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. - Seller-05/15/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 12 month(s) Audited Reserves of months are less than Guideline Required Reserves of 12 months. - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-Audited Reserves of 21.81 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-05/16/2025 <br>Resolved-ALTA Settlement Statement provided. Audited Reserves of 23.18 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-05/16/2025 <br>Resolved-Audited Reserves of 23.18 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-05/16/2025<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109962 | N/A | N/A |
| XXXX | 2022584 |  |  | Closed | 2025-05-12 09:20 | 2025-05-16 15:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. See page in preliminary title. - Buyer-05/15/2025 <br>Open-Missing Evidence of Property Tax Subject Property Tax cert is missing in file. - Due Diligence Vendor-05/12/2025 |  | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/16/2025<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109646 | N/A | N/A |
| XXXX | 2022584 |  |  | Closed | 2025-05-12 10:06 | 2025-05-16 15:08 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation Provided. - Due Diligence Vendor-05/16/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. - Seller-05/15/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation is missing in file. - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-Secondary Valuation Provided. - Due Diligence Vendor-05/16/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/16/2025<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109859 | N/A | N/A |
| XXXX | 2022584 |  |  | Closed | 2025-05-12 10:06 | 2025-05-16 15:08 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Primary Appraisal provided. - Due Diligence Vendor-05/16/2025 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/15/2025 <br> Open-Appraisal is Missing Please provide 2 full appraisals as loan amount is > $XXXX - Due Diligence Vendor-05/12/2025 |  | Resolved-Primary Appraisal provided. - Due Diligence Vendor-05/16/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/16/2025<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109860 | N/A | N/A |
| XXXX | 2022584 |  |  | Closed | 2025-05-12 08:46 | 2025-05-16 14:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-05/16/2025 <br>Resolved-Borrower 1 Citizenship Documentation-Driver's License provided. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/15/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing Borrower 1 citizenship documentation Is Missing. - Due Diligence Vendor-05/12/2025 |  | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-05/16/2025 <br>Resolved-Borrower 1 Citizenship Documentation-Driver's License provided. - Due Diligence Vendor-05/16/2025<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109559 | N/A | N/A |
| XXXX | 2022584 |  |  | Closed | 2025-05-14 17:35 | 2025-05-16 14:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/15/2025 <br>Open-The Initial 1003 is Missing Please provide initial 1003 - Due Diligence Vendor-05/14/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/16/2025<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4140805 | N/A | N/A |
| XXXX | 2022584 |  |  | Closed | 2025-05-12 09:59 | 2025-05-16 10:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report provided. - Due Diligence Vendor-05/16/2025 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/15/2025 <br>Open-Borrower 1 Credit Report is Missing. Credit Report is Missing in file. - Due Diligence Vendor-05/12/2025 |  | Resolved-Borrower 1 Credit Report provided. - Due Diligence Vendor-05/16/2025 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/16/2025<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109829 | N/A | N/A |
| XXXX | 2022584 |  |  | Closed | 2025-05-16 10:25 | 2025-05-16 10:42 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-05/16/2025 <br>Open-Qualifying FICO on the 1008 Page is '796' or blank, but the Qualifying FICO from the Credit Liabilities Page is '764' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-05/16/2025 |  | Resolved-Validation Resolved - Due Diligence Vendor-05/16/2025<br>|  |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4161067 | N/A | N/A |
| XXXX | 2022584 |  |  | Closed | 2025-05-12 08:52 | 2025-05-16 10:42 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document Provided. - Due Diligence Vendor-05/16/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/15/2025 <br>Open-The 1008 document is missing from the loan file. The 1008 document is missing in file, please provide with approval certificate as well. - Due Diligence Vendor-05/12/2025 |  | Resolved-1008 document Provided. - Due Diligence Vendor-05/16/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/16/2025<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109569 | N/A | N/A |
| XXXX | 2022584 |  |  | Closed | 2025-05-14 17:43 | 2025-05-16 10:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-05/16/2025 <br>Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business purpose & occupancy affidavit with initials provided. - Due Diligence Vendor-05/16/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/15/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Present'. Business Purpose Affidavit is required for a DSCR loan. business purpose & occupancy affidavit missing initials. Please update. - Due Diligence Vendor-05/14/2025 |  | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-05/16/2025 <br>Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business purpose & occupancy affidavit with initials provided. - Due Diligence Vendor-05/16/2025<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4140913 | N/A | N/A |
| XXXX | 2022584 |  |  | Closed | 2025-05-12 10:29 | 2025-05-16 10:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. - Seller-05/15/2025 <br>Open-Missing Third Party Fraud Report Fraud Report is missing in file. - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/16/2025<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4109984 | N/A | N/A |
| XXXX | 2022584 |  |  | Closed | 2025-05-12 12:27 | 2025-05-16 10:30 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-Business Entity EIN document provided. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/15/2025 <br>Open-Please provide Business Entity EIN. - Due Diligence Vendor-05/12/2025 |  | Resolved-Business Entity EIN document provided. - Due Diligence Vendor-05/16/2025<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4110921 | N/A | N/A |
| XXXX | 2033682 |  |  | Closed | 2025-05-14 19:51 | 2025-05-23 16:03 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. VOR - Seller-05/22/2025 <br>Open-Housing History Does Not Meet Guideline Requirements VOR missing from file. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. VOR - Seller-05/22/2025<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/23/2025<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4143004 | N/A | N/A |
| XXXX | 2033682 |  |  | Closed | 2025-05-13 11:37 | 2025-05-20 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Updated 1003 provided with removal of Bank statement account XXXX #XXXX. Resolved - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Updated 1003 for assets removed - Seller-05/19/2025 <br> Open-Provide access letter for the acct XXXX #XXXX for other name reflecting in bank statement page 52 - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. Updated 1003 for assets removed - Seller-05/19/2025<br>| Resolved-Updated 1003 provided with removal of Bank statement account XXXX #XXXX. Resolved - Due Diligence Vendor-05/20/2025 | XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4124319 | N/A | N/A |
| XXXX | 2033682 |  |  | Closed | 2025-05-13 11:18 | 2025-05-20 11:19 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-DSCR worksheet Provided. Resolved - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. DSCR - Seller-05/19/2025 <br> Open-DSCR worksheet does not include rent of $XXXX per lease. Updated DSCR required. Audited DSCR: $XXXX/ PITIA of $XXXX = 1.243 DSCR - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. DSCR - Seller-05/19/2025<br>| Resolved-DSCR worksheet Provided. Resolved - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4124158 | N/A | N/A |
| XXXX | 2033682 |  |  | Closed | 2025-05-13 11:02 | 2025-05-20 11:08 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Settlement statement of REO property XXXX Provided. Resolved - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Final SS - Seller-05/19/2025 <br> Open-Provide wired proof for the other assets specify of $XXXX as per final 1003 page 579 - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. Final SS - Seller-05/19/2025<br>| Resolved-Settlement statement of REO property XXXX. Resolved - Due Diligence Vendor-05/20/2025 | XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4124052 | N/A | N/A |
| XXXX | 2033682 |  |  | Closed | 2025-05-13 09:47 | 2025-05-20 10:31 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document provided.<br> - Due Diligence Vendor-05/20/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-05/19/2025 <br>Open-The 1008 document is missing from the loan file. 1008 document is missing from file - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. 1008 - Seller-05/19/2025<br>| Resolved-1008 document provided.<br> - Due Diligence Vendor-05/20/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4123680 | N/A | N/A |
| XXXX | 2033682 |  |  | Closed | 2025-05-13 11:35 | 2025-05-16 13:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-True and Certified Final Settlement Statement provided. Resolved. - Due Diligence Vendor-05/16/2025 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. Final HUD1 - Seller-05/14/2025 <br>Open-Final HUD-1 Document is Missing. Final HUD-1 document missing settlement agent signature. - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. Final HUD1 - Seller-05/14/2025<br>| Resolved-True and Certified Final Settlement Statement provided. Resolved. - Due Diligence Vendor-05/16/2025 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/16/2025<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4124306 | N/A | N/A |
| XXXX | 2033682 |  |  | Closed | 2025-05-13 10:55 | 2025-05-15 09:49 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-05/14/2025 <br>Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. XXXX - Seller-05/14/2025 | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/15/2025<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4123996 | N/A | N/A |
| XXXX | 2033682 |  |  | Closed | 2025-05-13 10:09 | 2025-05-15 09:48 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Supplement uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-05/15/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. Title Supp for Loan Amount - Seller-05/14/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Provide updated title with the coverage amount as the provided one on page 541 not reflecting loan amount. <br> - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. Title Supp for Loan Amount - Seller-05/14/2025<br>| Resolved-Title Supplement uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-05/15/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/15/2025 | XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4123775 | N/A | N/A |
| XXXX | 2033685 |  |  | Closed | 2025-05-13 04:45 | 2025-05-22 19:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. Income Calculations Worksheet - Seller-05/22/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Income worksheet for Business "XXXX". Lender Income worksheet missing. - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. Income Calculations Worksheet - Seller-05/22/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-05/22/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 4122600 | N/A | N/A |
| XXXX | 2033685 |  |  | Closed | 2025-05-13 05:02 | 2025-05-22 10:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/22/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-05/21/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Borrower 1 Gap Credit report. Borrower 1 Gap Credit report missing. - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-05/21/2025<br>| Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/22/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/22/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 4122627 | N/A | N/A |
| XXXX | 2033685 |  |  | Closed | 2025-05-13 04:11 | 2025-05-16 05:10 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/16/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-05/15/2025 <br>Open-The 1008 document is missing from the loan file. Provide 1008 document. 1008 document missing. - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. 1008 - Seller-05/15/2025<br>| Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/16/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/16/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 4122475 | N/A | N/A |
| XXXX | 2033685 |  |  | Closed | 2025-05-13 06:46 | 2025-05-13 06:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.391%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 591 and the Final Closing disclosure on Pg 259, Finding reflects escrows. Rate lock date was entered correctly – see Pg 627, 250. An interior and exterior appraisal was completed for this property – see pg 50, the appraisal disclosure was provided to the borrower(s)- see Pg 691, and confirmation the appraisal was delivered to the borrower – see Pg 47-49, 356-358. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-05/13/2025 |  | Resolved-The loan's (9.391%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 591 and the Final Closing disclosure on Pg 259, Finding reflects escrows. Rate lock date was entered correctly – see Pg 627, 250. An interior and exterior appraisal was completed for this property – see pg 50, the appraisal disclosure was provided to the borrower(s)- see Pg 691, and confirmation the appraisal was delivered to the borrower – see Pg 47-49, 356-358. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-05/13/2025<br>|  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 4122954 | N/A | N/A |
| XXXX | 2033690 |  |  | Closed | 2025-05-14 08:16 | 2025-05-20 18:06 | Waived | 2 - Non-Material C B | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Waived-Lender Exception received: "DSCR Foreign National, under 1% DSCR" (0.9979 DSCR) - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Exception Approval - Seller-05/20/2025 <br> Open-• DSCR per audit review is 0.9979 ($XXX Market Rent / $XXX PITIA). Lender DSCR per the DSCR worksheet is 1.001. The difference is due to a difference in Property Tax. Audit used $XXX ($XXX Estimate W/O Exemptions ÷ 12). Lender used $XXX ($XXX per the Escrow waiver ÷ 12). The file is missing evidence of the $XXX amount. Otherwise, if the tax is truly $XXX, then DSCR is 0.9979, and the loan does not qualify due to Foreign National borrowers are not allowed to have a Low-Ratio DSCR under 1.0.<br> - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. Exception Approval - Seller-05/20/2025<br>| Waived-Lender Exception received: "DSCR Foreign National, under 1% DSCR" (0.9979 DSCR) - Due Diligence Vendor-05/20/2025<br>| XXXX |  | (1) Total Reserves are 14.23 months, which exceeds the program guidelines of 12 months.<br> (2) Foreign National, but has U.S. credit with 2 open tradelines with zero lates.<br> (3) Qualifying FICO score of 798 exceeds the program guideline of 700. | TX | Investment | Purchase | NA | 4135403 | Originator Post-Close | Yes |
| XXXX | 2033690 |  |  | Closed | 2025-05-14 17:47 | 2025-05-20 18:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Property Tax is correct. Lender exception received for the resulting DSCR score. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Exception Approval - Seller-05/20/2025 <br> Open-Missing Evidence of Property Tax • DSCR per audit review is 0.9979 ($XXX Market Rent / $XXX PITIA). Lender DSCR per the DSCR worksheet is 1.001. The difference is due to a difference in Property Tax. Audit used $XXX ($XXX Estimate W/O Exemptions ÷ 12). Lender used $XXX ($XXX per the Escrow waiver ÷ 12). The file is missing evidence of the $XXX amount. Otherwise, if the tax is truly $XXX, then DSCR is 0.9979, and the loan does not qualify due to Foreign National borrowers are not allowed to have a Low-Ratio DSCR under 1.0. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. Exception Approval - Seller-05/20/2025<br>| Resolved-Property Tax is correct. Lender exception received for the resulting DSCR score. - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 4140964 | N/A | N/A |
| XXXX | 2033690 |  |  | Closed | 2025-05-14 17:52 | 2025-05-19 16:49 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/19/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The XXXX Alerts Summary document shows a total of 5 High alerts, only 3 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/19/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/19/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 4141040 | N/A | N/A |
| XXXX | 2033690 |  |  | Closed | 2025-05-14 17:07 | 2025-05-15 11:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document was identified. System updated. - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. Final HUD1 - Seller-05/14/2025 <br>Open-Final HUD-1 Document is Preliminary/Estimated Only. • There are two Combined ALTA Settlement Statements in file, both signed by the borrower and by the Escrow Officer. Unable to clearly identify which one is the true Final document. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. Final HUD1 - Seller-05/14/2025<br>| Resolved-Final HUD-1 Document was identified. System updated. - Due Diligence Vendor-05/15/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 4140459 | N/A | N/A |
| XXXX | 2033690 |  |  | Closed | 2025-05-14 07:15 | 2025-05-15 09:19 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-05/14/2025 <br> Open-• Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. XXXX - Seller-05/14/2025 | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/15/2025 | XXXX |  |  | TX | Investment | Purchase | NA | 4135283 | N/A | N/A |
| XXXX | 2033684 |  |  | Closed | 2025-05-15 16:34 | 2025-05-21 13:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-received color copy of ID- resolved - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. ID - Seller-05/20/2025 <br>Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Bwr 1 ID not legible, clear copy requested - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. ID - Seller-05/20/2025<br>| Resolved-received color copy of ID- resolved - Due Diligence Vendor-05/21/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 4152428 | N/A | N/A |
| XXXX | 2033684 |  |  | Closed | 2025-05-14 08:43 | 2025-05-20 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated 1003 with corrected income which is matching with Lender Worksheet provided. - Due Diligence Vendor-05/20/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Updated income on 1003 - Seller-05/19/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Per lender worksheet on page # 439, total qualifying income is $XXXX. However per final 1003, the qualifying income is $XXXX (B1 & B2 are receiving $6,954.51 each). Provide corrected lender worksheet validating this $XXXX amount. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. Updated income on 1003 - Seller-05/19/2025<br>| Resolved-Updated 1003 with corrected income which is matching with Lender Worksheet provided. - Due Diligence Vendor-05/20/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 4135455 | N/A | N/A |
| XXXX | 2033684 |  |  | Closed | 2025-05-14 08:14 | 2025-05-20 09:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-05/20/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-05/19/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Provide B2 GAP credit report as it is missing from file. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-05/19/2025<br>| Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-05/20/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 4135400 | N/A | N/A |
| XXXX | 2033684 |  |  | Closed | 2025-05-14 08:14 | 2025-05-20 09:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-05/20/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-05/19/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide B1 GAP credit report as it is missing from file. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-05/19/2025<br>| Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-05/20/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 4135399 | N/A | N/A |
| XXXX | 2033684 |  |  | Closed | 2025-05-14 07:46 | 2025-05-20 09:38 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document provided. - Due Diligence Vendor-05/20/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-05/19/2025 <br>Open-The 1008 document is missing from the loan file. Provide 1008 document as it is missing from file. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. 1008 - Seller-05/19/2025<br>| Resolved-1008 document provided. - Due Diligence Vendor-05/20/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 4135354 | N/A | N/A |
| XXXX | 2033684 |  |  | Closed | 2025-05-15 16:17 | 2025-05-16 14:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-clarification received - resolved - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. Compliance Response: The first payment date of XXXX, is correct based on how this loan closed and funded.<br> This is industry standard. (We would not have XXXX 1st payment date.) <br> Although technically it is 61 days, we've never seen that be an issue. <br> The Note date was XXXX we funded on XXXX and collected daily interest from XXXX (25 days) on the final CD, which is accurate.<br> Please review to clear condition as invalid.<br> - Seller-05/15/2025 <br> Open-The Note is Incomplete Note is incomplete - First Payment Date of XXXX is more than 30 days after the Note Date of XXXX. <br> - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Compliance Response: The first payment date of XXXX, is correct based on how this loan closed and funded.<br> This is industry standard. (We would not have a XXXX 1st payment date.) <br> Although technically it is 61 days, we've never seen that be an issue. <br> The Note date was XXXX, we funded on XXXX and collected daily interest from XXXX (25 days) on the final CD, which is accurate.<br> Please review to clear condition as invalid.<br> - Seller-05/15/2025 | Resolved-clarification received - resolved - Due Diligence Vendor-05/16/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 4151867 | N/A | N/A |
| XXXX | 2033684 |  |  | Closed | 2025-05-14 08:51 | 2025-05-20 09:41 | Resolved | 1 - Information A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Qualifying FICO on the 1008 Page is '798' or blank, but the Qualifying FICO from the Credit Liabilities Page is '804' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-05/20/2025 <br> Resolved-Qualifying FICO on the 1008 Page is '806' or blank, but the Qualifying FICO from the Credit Liabilities Page is '804' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. per GLs dated XXXX page 42 section 3.1.10 - When both borrowers are self-employed and jointly own the business, the highest score amongst the borrowers is used as the decision credit <br> score. - Due Diligence Vendor-05/14/2025 |  | Resolved-Qualifying FICO on the 1008 Page is '798' or blank, but the Qualifying FICO from the Credit Liabilities Page is '804' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-05/20/2025 <br> Resolved-Qualifying FICO on the 1008 Page is '806' or blank, but the Qualifying FICO from the Credit Liabilities Page is '804' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. per GLs XXXX page 42 section 3.1.10 - When both borrowers are self-employed and jointly own the business, the highest score amongst the borrowers is used as the decision credit <br> score. - Due Diligence Vendor-05/14/2025 |  |  |  | NV | Primary Residence | Purchase | NA | 4135471 | N/A | N/A |
| XXXX | 2033689 |  |  | Closed | 2025-05-14 10:16 | 2025-05-23 07:30 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Previous Ho3 Policy dated XXXX to XXXX uploaded, Verified - Resolved<br> - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. Insurance - Seller-05/22/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Hazard Insurance Effective Date of XXXX is after the Note date of XXXX, Provide Hazard insurance prior to closing.<br> - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. Insurance - Seller-05/22/2025<br>| Resolved-Previous Ho3 Policy dated XXXX uploaded, Verified - Resolved<br> - Due Diligence Vendor-05/23/2025 | XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4135674 | N/A | N/A |
| XXXX | 2033689 |  |  | Closed | 2025-05-14 10:19 | 2025-05-20 11:47 | Resolved | 1 - Information C A | Credit | Credit | Subject hazard Insurance policy coverage is insufficient. | Resolved-Provided Mail conversation says "The dwelling is covered at replacement cost". Updated & Finding resolved. - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. RCE attached shows that insurance is at replacement cost value. This is FL so that is what we normally get on these - Seller-05/19/2025 <br>Open-Provide RCE document or updated Hazard insurance as the dwelling is not covering the full loan amount. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. RCE attached shows that insurance is at replacement cost value. This is FL so that is what we normally get on these - Seller-05/19/2025<br>| Resolved-Provided Mail conversation says "The dwelling is covered at replacement cost". Updated & Finding resolved. - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4135687 | N/A | N/A |
| XXXX | 2033689 |  |  | Closed | 2025-05-14 10:03 | 2025-05-20 08:37 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 latest Gap Credit Report provided. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-05/19/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide updated Gap credit report as the provided one on page 191 is dated XXXX not within 10 days of closing date - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-05/19/2025<br>| Resolved-Borrower 1 latest Gap Credit Report provided. - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4135642 | N/A | N/A |
| XXXX | 2033691 |  |  | Closed | 2025-05-14 14:19 | 2025-05-20 11:57 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Property is Free & Clear. Payoff Letter Provided. Housing History Meets Guideline Requirements - Due Diligence Vendor-05/20/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. Free & Clear - Seller-05/19/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Unable to verify the Borrowers 12 Primary months, Provide the 12 months Primary months history of Borrower to meet GL Requirements. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. Free & Clear - Seller-05/19/2025<br>| Resolved-Property is Free & Clear. Payoff Letter Provided. Housing History Meets Guideline Requirements - Due Diligence Vendor-05/20/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 4137930 | N/A | N/A |
| XXXX | 2033691 |  |  | Closed | 2025-05-14 17:32 | 2025-05-20 11:54 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Latest Gift document with wire proof provided. - Due Diligence Vendor-05/20/2025 <br> Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Gift Docs - Seller-05/19/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements We have Gift Funds amount $XXXX as per the final 1003 & Gift letter on page#235 amount $XXXX but proof of document is missing in file. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. Gift Docs - Seller-05/19/2025<br>| Resolved-Latest Gift document with wire proof provided. - Due Diligence Vendor-05/20/2025 <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 4140776 | N/A | N/A |
| XXXX | 2031308 |  |  | Closed | 2025-05-16 17:13 | 2025-05-19 16:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception made for DSCR/does not own primary - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/16/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Borrower does not own a primary residence on a DSCR loan - Due Diligence Vendor-05/16/2025 |  | Waived-Exception made for DSCR/does not own primary - Due Diligence Vendor-05/19/2025<br>| XXXX |  | LTV is 70%. Maximum allowed per guidelines is 85%.<br> Credit Score is 779. Minimum required per guidelines is 640. | KS | Investment | Purchase | NA | 4165634 | Originator Post-Close | Yes |
| XXXX | 2031301 |  |  | Closed | 2025-05-19 02:40 | 2025-05-21 13:58 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-Received EIN, finding resolved - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/20/2025 <br>Counter-W9 uploaded with missing EIN - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/19/2025 <br>Open-Missing Business Entity EIN. Need supporting doc for EIN #. - Due Diligence Vendor-05/19/2025 |  | Resolved-Received EIN, finding resolved - Due Diligence Vendor-05/21/2025<br>| XXXX |  |  | OR | Investment | Refinance | No Cash Out - Borrower Initiated | 4174647 | N/A | N/A |
| XXXX | 2031293 |  |  | Closed | 2025-05-15 05:00 | 2025-05-22 14:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-DSCR/ Primary on month-to-month lease - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/21/2025 <br>Open-Housing History Does Not Meet Guideline Requirements As per Guidelines for Investment DSCR Loans Borrower need to own the Primary Residency or be leasing for the foreseeable future with a minimum of 6 months remaining on lease. According to lease on page 290/149 rental is on a month to month basis. Please advise. - Due Diligence Vendor-05/15/2025 |  | Waived-DSCR/ Primary on month-to-month lease - Due Diligence Vendor-05/22/2025<br>| XXXX |  | DSCR is 1.251. Minimum required per guidelines is 1.<br> Borrower Housing History is 0X30, 36 months.  | IL | Investment | Refinance | Cash Out - Home Improvement/Reno | 4145996 | Originator Post-Close | Yes |
| XXXX | 2031293 |  |  | Closed | 2025-05-19 19:53 | 2025-05-22 14:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-document received, signature present - Due Diligence Vendor-05/22/2025 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/21/2025 <br>Open-Final HUD-1 Document is Missing. Settlement statement is present but missing page 3/signature - Due Diligence Vendor-05/19/2025 |  | Resolved-document received, signature present - Due Diligence Vendor-05/22/2025 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/22/2025<br>| XXXX |  |  | IL | Investment | Refinance | Cash Out - Home Improvement/Reno | 4183238 | N/A | N/A |
| XXXX | 2031284 |  |  | Closed | 2025-05-18 12:57 | 2025-05-29 15:59 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-Exception made for using CPA being dated 30 days prior to funding as VVOE - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/28/2025 <br>Counter-Received CPA dated outside the 10 days of closing - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/19/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Verification of business existence required within 10 calendar days of closing. - Due Diligence Vendor-05/18/2025 |  | Waived-Exception made for using CPA being dated 30 days prior to funding as VVOE - Due Diligence Vendor-05/29/2025<br>| XXXX |  | Borrower(s) have 22.79 months Reserves. Minimum required per guidelines is 6 months.<br> LTV is 67%. Maximum allowed per guidelines is 75%. | ID | Primary Residence | Purchase | NA | 4173679 | Originator Post-Close | Yes |
| XXXX | 2031284 |  |  | Closed | 2025-05-15 07:07 | 2025-05-20 10:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title document is missing, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-05/20/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/19/2025 <br>Open-Title Document is missing is missing in file - Due Diligence Vendor-05/15/2025 |  | Resolved-Title document is missing, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-05/20/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | ID | Primary Residence | Purchase | NA | 4146683 | N/A | N/A |
| XXXX | 2034729 |  |  | Closed | 2025-05-20 21:41 | 2025-05-30 21:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/29/2025 <br>Counter-No attachment received - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Have requested final Title. - Buyer-05/28/2025 <br>Counter-Title for subject property not attached. - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/23/2025 <br>Open-Title Document is Incomplete Missing vesting in the LLC - Due Diligence Vendor-05/20/2025 |  | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/30/2025<br>| XXXX |  |  | UT | Investment | Refinance | No Cash Out - Borrower Initiated | 4198111 | N/A | N/A |
| XXXX | 2031299 |  |  | Closed | 2025-05-20 21:07 | 2025-05-23 15:39 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received settlement statement, finding resolved - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/22/2025 <br>Open-Missing settlement statement for proceeds of sale - Due Diligence Vendor-05/20/2025 |  | Resolved-Received settlement statement, finding resolved - Due Diligence Vendor-05/23/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 4197709 | N/A | N/A |
| XXXX | 2031289 |  |  | Closed | 2025-05-15 03:52 | 2025-05-22 09:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business Purpose affidavit check box is missing, Provided Updated Document, Changes made in system, Finding Resolved - Due Diligence Vendor-05/22/2025 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/21/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Check box is not marked in provided Business Purpose affidavit. - Due Diligence Vendor-05/15/2025 |  | Resolved-Business Purpose affidavit check box is missing, Provided Updated Document, Changes made in system, Finding Resolved - Due Diligence Vendor-05/22/2025 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-05/22/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 4145881 | N/A | N/A |
| XXXX | 2031291 |  |  | Closed | 2025-05-21 00:40 | 2025-05-23 19:23 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Page Cash Out Does Not Meet Guideline Requirements | Waived-Exception made for property being recently listed for sale within the past 3 months - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/21/2025 <br>Open-Cash Out Does Not Meet Guideline Requirements Missing 2 month seasoning for bank statements to utilize reserves comp factor - Due Diligence Vendor-05/21/2025 |  | Waived-Exception made for property being recently listed for sale within the past 3 months - Due Diligence Vendor-05/23/2025<br>| XXXX |  | 1. 4+ years with no mortgage lates - No Mortgage Late payments found in credit report for last 4 years.<br> 2. Rate reduction from 9.685% to 7.875% | FL | Investment | Refinance | Cash Out - Other | 4199333 | Originator Pre-Close | Yes |
| XXXX | 2031290 |  |  | Closed | 2025-05-15 12:49 | 2025-05-23 15:45 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out is not completed according to the guideline requirements Exception made for property recently listed for sale within the past 3 months. - Due Diligence Vendor-05/15/2025 |  | Waived-Cash Out is not completed according to the guideline requirements Exception made for property recently listed for sale within the past 3 months. - Due Diligence Vendor-05/15/2025<br>|  |  | 1. Borrower(s) have 43.28 months Reserves. Minimum required per guidelines is 3 months.<br> 2. 4+ years with no mortgage late payments. | FL | Investment | Refinance | Cash Out - Other | 4148638 | Originator Pre-Close | Yes |
| XXXX | 2031290 |  |  | Closed | 2025-05-20 18:33 | 2025-05-23 15:44 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-DSCR calculation received, finding resolved - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/22/2025 <br> Open-Missing DSCR calculation, ledger in file listing 1 month for $XXXX, market rent lists monthly income of $2,400 - Due Diligence Vendor-05/20/2025 |  | Resolved-DSCR calculation received, finding resolved - Due Diligence Vendor-05/23/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 4195039 | N/A | N/A |
| XXXX | 2031305 |  |  | Closed | 2025-05-19 04:26 | 2025-05-22 09:32 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/21/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Title Coverage Amount is missing in file - Due Diligence Vendor-05/19/2025 |  | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/22/2025 | XXXX |  |  | CA | Investment | Purchase | NA | 4174740 | N/A | N/A |
| XXXX | 2031305 |  |  | Closed | 2025-05-19 04:47 | 2025-05-22 09:32 | Resolved | 1 - Information C A | Credit | Credit | Missing AUS/Loan Approval | Resolved-Loan Approval in file reflects Personal bank statements, qualified with Business Bank statements, Provided Updated Loan approval, Finding Resolved - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/21/2025 <br>Open-Borrower is qualifying with 12 months business bank statements per provided bank statements in file but loan approval document showing 12 month personal bank statements which is incorrect required updated loan approval document. - Due Diligence Vendor-05/19/2025 |  | Resolved-Loan Approval in file reflects Personal bank statements, qualified with Business Bank statements, Provided Updated Loan approval, Finding Resolved - Due Diligence Vendor-05/22/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 4174769 | N/A | N/A |
| XXXX | 2031305 |  |  | Closed | 2025-05-19 05:33 | 2025-05-22 09:34 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Title coverage is less than loan amount, Updated title document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-05/22/2025 <br> Resolved-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Disbursement date is after the effective date of hazard insurance. disbursement XXXX, insurance in effect XXXX - Due Diligence Vendor-05/19/2025 |  | Resolved-Title coverage is less than loan amount, Updated title document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-05/22/2025 <br> Resolved-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Disbursement date is after the effective date of hazard insurance. disbursement XXXX, insurance in effect XXXX - Due Diligence Vendor-05/19/2025 |  |  |  | CA | Investment | Purchase | NA | 4174858 | N/A | N/A |
| XXXX | 2034725 |  |  | Closed | 2025-05-19 23:04 | 2025-06-05 14:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-B2 housing history - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/04/2025 <br>Counter-Lease agreement is month to month and does not confirm continuation with a minimum of 6 months. - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/21/2025 <br>Open-Please provide lease for B2 primary residence. The borrower must be renting another residence and the lease must continue for the foreseeable future (minimum of 6 months) - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Waived-B2 housing history - Due Diligence Vendor-06/05/2025<br>| XXXX |  | Credit Score is 762. Minimum required per guidelines is 680.<br> Borrower(s) have 72.96 months Reserves. Minimum required per guidelines is 6 months. | CA | Investment | Purchase | NA | 4185656 | Originator Post-Close | Yes |
| XXXX | 2034725 |  |  | Closed | 2025-05-19 23:01 | 2025-05-22 15:01 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Document received, data confirmed. XXXX - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. - Seller-05/21/2025 <br> Open-Please provide DSCR calculation - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. - Seller-05/21/2025<br>| Resolved-Document received, data confirmed. XXXX - Due Diligence Vendor-05/22/2025 | XXXX |  |  | CA | Investment | Purchase | NA | 4185629 | N/A | N/A |
| XXXX | 2034725 |  |  | Closed | 2025-05-19 08:47 | 2025-05-22 09:36 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than loan amount, Updated title document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-05/22/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/21/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Title Coverage Amount is missing in file - Due Diligence Vendor-05/19/2025 |  | Resolved-Title coverage is less than loan amount, Updated title document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-05/22/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/22/2025 | XXXX |  |  | CA | Investment | Purchase | NA | 4175305 | N/A | N/A |
| XXXX | 2034725 |  |  | Closed | 2025-05-19 09:52 | 2025-05-19 22:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Excessive Seller Contributions | Waived-Exception on page 208 for 3% seller concessions on investment property. Max contributions according to GL are 2% - Due Diligence Vendor-05/19/2025 |  | Waived-Exception on page 208 for 3% seller concessions on investment property. Max contributions according to GL are 2% - Due Diligence Vendor-05/19/2025<br>|  |  | Additional 3 months reserves - Borrower(s) have 72.96 months Reserves. Minimum required per guidelines is 6 months.<br> No derogatory credit - No derogatory payments found in credit report for B1 or B2 - Credit Score is 762. Minimum required per guidelines is 680. | CA | Investment | Purchase | NA | 4175476 | Originator Pre-Close | Yes |
| XXXX | 2031295 |  |  | Closed | 2025-05-16 10:37 | 2025-05-29 15:54 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Requested Full Appraisal Document Provided hence resolved. - Due Diligence Vendor-05/29/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/28/2025 <br>Open-Appraisal is Missing Appraisal doc is on Page #29, 180 but missing Page's 1-2 pages. - Due Diligence Vendor-05/16/2025 |  | Resolved-Requested Full Appraisal Document Provided hence resolved. - Due Diligence Vendor-05/29/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/29/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 4161100 | N/A | N/A |
| XXXX | 2031295 |  |  | Closed | 2025-05-22 13:22 | 2025-05-29 15:52 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Clarification received, property was free and clear - Due Diligence Vendor-05/29/2025 <br>Ready for Review-No liens f/c - Buyer-05/28/2025 <br>Open-Payment history for the seller's mortgage on the subject property must be obtained and show no pattern of delinquency within the past 12 months - Due Diligence Vendor-05/22/2025 |  | Resolved-Clarification received, property was free and clear - Due Diligence Vendor-05/29/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 4213568 | N/A | N/A |
| XXXX | 2031295 |  |  | Closed | 2025-05-16 10:46 | 2025-05-29 09:00 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Requested Lender approval with updated income type provided hence resolved. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/28/2025 <br>Open-Lender approval doc is on Page # 352 shows income Qualifying 12 months Business Bank statements but as per Verification income Qualifying with Personal statements need correction in Lender form. - Due Diligence Vendor-05/16/2025 |  | Resolved-Requested Lender approval with updated income type provided hence resolved. - Due Diligence Vendor-05/29/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 4161152 | N/A | N/A |
| XXXX | 2031295 |  |  | Closed | 2025-05-16 11:53 | 2025-05-22 05:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.528%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 352 and the Final Closing disclosure on Pg#'s 121 reflects escrows. Rate lock date was entered correctly – see Pg#'s 120, 355 An interior and exterior appraisal was completed for this property – see pg 35-43, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 423,and copy of the appraisal was given to the borrower – see Pg#'s 110 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/16/2025 |  | Resolved-The loan's (8.528%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 352 and the Final Closing disclosure on Pg#'s 121 reflects escrows. Rate lock date was entered correctly – see Pg#'s 120, 355 An interior and exterior appraisal was completed for this property – see pg 35-43, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 423,and copy of the appraisal was given to the borrower – see Pg#'s 110 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/16/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 4161483 | N/A | N/A |
| XXXX | 2033683 |  |  | Closed | 2025-05-16 14:30 | 2025-05-21 12:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-received updated 1003 and 1008 to match the income calculated - resolved - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. Updated 1003 & 1008 - Seller-05/20/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provided Lender Income Calculation sheet, pg#519, reflects $XXX and does not match the F1003 & 1008 income of XXX. - Due Diligence Vendor-05/20/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provided Lender Asset Utilization Income Calculation sheet, pg#519, reflects $XXX and does not match the F1003 & 1008 income of $XXX. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. Updated 1003 & 1008 - Seller-05/20/2025<br>| Resolved-received updated 1003 and 1008 to match the income calculated - resolved - Due Diligence Vendor-05/21/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4163121 | N/A | N/A |
| XXXX | 2033683 |  |  | Closed | 2025-05-16 15:31 | 2025-05-21 09:14 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/20/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/20/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/21/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4164229 | N/A | N/A |
| XXXX | 2033683 |  |  | Closed | 2025-05-16 15:06 | 2025-05-20 08:35 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Freddie SSR with acceptable score provided. - Due Diligence Vendor-05/20/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-05/19/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-05/19/2025<br>| Resolved-Freddie SSR with acceptable score provided. - Due Diligence Vendor-05/20/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4163617 | N/A | N/A |
| XXXX | 2033688 |  |  | Closed | 2025-05-19 12:36 | 2025-05-22 09:25 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/22/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/21/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/21/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/22/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/22/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 4176308 | N/A | N/A |
| XXXX | 2031303 |  |  | Closed | 2025-05-23 04:09 | 2025-05-28 16:40 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Confirmed missing anti steering disclosure, proceeding as is. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-XXXX acknowledges missing disclosure - Buyer-05/27/2025 <br>Open-Anti-steering disclosure is missing in file. - Due Diligence Vendor-05/23/2025 |  | Acknowledged-Confirmed missing anti steering disclosure, proceeding as is. - Due Diligence Vendor-05/28/2025<br>|  |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4223663 | Originator Post-Close | No |
| XXXX | 2031303 |  |  | Closed | 2025-05-20 09:58 | 2025-05-28 16:38 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Document received - Due Diligence Vendor-05/28/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/28/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount - Due Diligence Vendor-05/20/2025 |  | Resolved-Document received - Due Diligence Vendor-05/28/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/28/2025 | XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4188372 | N/A | N/A |
| XXXX | 2031287 |  |  | Closed | 2025-05-23 15:28 | 2025-05-28 16:06 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Resolved-Clarification received - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/27/2025 <br>Open-Most recent 6 months of income show decrease, please clarify - Due Diligence Vendor-05/23/2025 |  | Resolved-Clarification received - Due Diligence Vendor-05/28/2025<br>| XXXX |  |  | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4228667 | N/A | N/A |
| XXXX | 2031287 |  |  | Closed | 2025-05-23 14:37 | 2025-05-28 16:05 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Clarification received. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-loan was approved for cash out/ refi not debt consold. - Buyer-05/27/2025 <br> Open-Loan does not conform to program guidelines Please clarify cash out. Borrower paying off $XXXX+ of revolving/installment debt, letter of explanation in file states cash out being utilized for debt consolidation, loan does not meet debt consolidation requirements for DTI and cash back to borrower - Due Diligence Vendor-05/23/2025 |  | Resolved-Clarification received. - Due Diligence Vendor-05/28/2025<br>|  |  |  | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4227668 | N/A | N/A |
| XXXX | 2031287 |  |  | Closed | 2025-05-23 14:05 | 2025-05-28 15:50 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-document received, data updated. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. added pts - see coc - Buyer-05/27/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Missing change of circumstance for added discount points - Due Diligence Vendor-05/23/2025 |  | Resolved-document received, data updated. - Due Diligence Vendor-05/28/2025<br>| XXXX |  |  | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4227140 | N/A | N/A |
| XXXX | 2031287 |  |  | Closed | 2025-05-23 14:41 | 2025-05-23 14:41 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Exception made for non-borrower account holder a bank statement - Due Diligence Vendor-05/23/2025 |  | Waived-Exception made for non-borrower account holder a bank statement - Due Diligence Vendor-05/23/2025<br>|  |  | LTV is 38.12%. Maximum allowed per guidelines is 70%.<br> Residual Income is $28272.17. Minimum Residual Income required per guidelines is $3500.  | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4227763 | Originator Pre-Close | Yes |
| XXXX | 2031286 |  |  | Closed | 2025-05-22 20:40 | 2025-05-28 16:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Document received, data updated. - Due Diligence Vendor-05/28/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/27/2025 <br>Open-Title Document is missing 1. Missing vesting in borrowers name<br> 2. Missing sufficient coverage listed - Due Diligence Vendor-05/22/2025 |  | Resolved-Document received, data updated. - Due Diligence Vendor-05/28/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-05/28/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 4220709 | N/A | N/A |
| XXXX | 2031286 |  |  | Closed | 2025-05-21 10:47 | 2025-05-22 20:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.408%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 343 and the Final Closing disclosure on Pg#'s 110 reflects escrows. Rate lock date was entered correctly – see Pg#'s 346, 108 An interior and exterior appraisal was completed for this property – see pg 59-66, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 400 and copy of the appraisal was given to the borrower – see Pg#'s 97 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/21/2025 |  | Resolved-The loan's (8.408%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 343 and the Final Closing disclosure on Pg#'s 110 reflects escrows. Rate lock date was entered correctly – see Pg#'s 346, 108 An interior and exterior appraisal was completed for this property – see pg 59-66, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 400 and copy of the appraisal was given to the borrower – see Pg#'s 97 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/21/2025<br>|  |  |  | NV | Primary Residence | Purchase | NA | 4201286 | N/A | N/A |
| XXXX | 2031300 |  |  | Closed | 2025-05-23 18:31 | 2025-05-27 16:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/26/2025 <br>Open-Business purpose disclosure does not have the checkbox marked - Due Diligence Vendor-05/23/2025 |  | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-05/27/2025<br>| XXXX |  |  | IN | Investment | Purchase | NA | 4232004 | N/A | N/A |
| XXXX | 2031297 |  |  | Closed | 2025-05-22 03:03 | 2025-05-29 22:25 | Resolved | 1 - Information C A | Compliance | Predatory:DocType | Maine - Ability To Repay Documentation Required (Higher Priced)(10/2013) | Resolved-Validated the ability to repay capabilities of borrower as required by the state regulations. Finding has been resolved and cleared. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/27/2025 <br>Open-This is a Maine Higher-Priced Mortgage Loan. A lender must determine a borrower's repayment ability, using the borrower's current and expected income, employment, assets other than the collateral, current obligations, and mortgage-related obligations. The methodology and standards set forth in Me. Rev. Stat. Ann. Tit. 9-A 8-506(4) should be applied to determine a lender's compliance with this requirement. This is a Maine Higher-Priced Mortgage Loan. A lender must determine a borrower's repayment ability, using the borrower's current and expected income, employment, assets other than the collateral, current obligations, and mortgage-related obligations - Due Diligence Vendor-05/22/2025 |  | Resolved-Validated the ability to repay capabilities of borrower as required by the state regulations. Finding has been resolved and cleared. - Due Diligence Vendor-05/29/2025<br>| XXXX |  |  | ME | Primary Residence | Purchase | NA | 4211051 | N/A | N/A |
| XXXX | 2031297 |  |  | Closed | 2025-05-23 20:19 | 2025-05-28 17:15 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing PCCD. | Resolved-Document received, data updated. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/27/2025 <br>Open-Final Closing disclosure does not have the gift funds being deposited into the escrow - Due Diligence Vendor-05/23/2025 |  | Resolved-Document received, data updated. - Due Diligence Vendor-05/28/2025<br>| XXXX |  |  | ME | Primary Residence | Purchase | NA | 4234580 | N/A | N/A |
| XXXX | 2031297 |  |  | Closed | 2025-05-23 20:27 | 2025-05-28 16:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-document received - Due Diligence Vendor-05/28/2025 <br>Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. - Seller-05/26/2025 <br>Open-Borrower 1 Executed 4506-T Missing Missing 4506C for B1 - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. - Seller-05/26/2025<br>| Resolved-document received - Due Diligence Vendor-05/28/2025 <br>Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-05/28/2025<br>| XXXX |  |  | ME | Primary Residence | Purchase | NA | 4234742 | N/A | N/A |
| XXXX | 2031297 |  |  | Closed | 2025-05-21 11:33 | 2025-05-28 16:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. - Seller-05/26/2025 <br>Open-Borrower 1 Paystubs Missing from file - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-05/26/2025<br>| Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-05/27/2025<br>| XXXX |  |  | ME | Primary Residence | Purchase | NA | 4201524 | N/A | N/A |
| XXXX | 2031297 |  |  | Closed | 2025-05-21 11:33 | 2025-05-28 16:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-05/28/2025 <br>Resolved-Income Calculation Worksheet provided. Resolved - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/26/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Lender Income Calculation Worksheet for B2. - Due Diligence Vendor-05/21/2025 |  | Resolved-Validation Resolved' - Due Diligence Vendor-05/28/2025 <br>Resolved-Income Calculation Worksheet provided. Resolved - Due Diligence Vendor-05/27/2025<br>| XXXX |  |  | ME | Primary Residence | Purchase | NA | 4201525 | N/A | N/A |
| XXXX | 2031297 |  |  | Closed | 2025-05-22 03:03 | 2025-05-28 17:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maine - Higher Priced Mortgage Loan (First Lien 10/2013)(Conforming) | Resolved- - Due Diligence Vendor-05/28/2025 <br>Resolved-The loan's (8.516%) APR equals or exceeds the Maine HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.81%). (Me. Rev. Stat. Ann. Tit. 9-A 8-506(1)(I); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#468 and the Final Closing disclosure on Pg#232. Rate lock date was entered correctly see Pg#'s 482 An interior and exterior appraisal was completed for this property – see pg 33, 74-81 the appraisal disclosure was provided to the borrower(s)- see Pg# 537and copy of the appraisal was given to the borrower see Pg 213, for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-05/22/2025 |  | Resolved- - Due Diligence Vendor-05/28/2025 <br>Resolved-The loan's (8.516%) APR equals or exceeds the Maine HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.81%). (Me. Rev. Stat. Ann. Tit. 9-A 8-506(1)(I); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#468 and the Final Closing disclosure on Pg#232. Rate lock date was entered correctly see Pg#'s 482 An interior and exterior appraisal was completed for this property – see pg 33, 74-81 the appraisal disclosure was provided to the borrower(s)- see Pg# 537and copy of the appraisal was given to the borrower see Pg 213, for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-05/22/2025<br>|  |  |  | ME | Primary Residence | Purchase | NA | 4211052 | N/A | N/A |
| XXXX | 2031297 |  |  | Closed | 2025-05-22 03:03 | 2025-05-28 17:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-05/28/2025 <br>Resolved-The loan's (8.516%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#468 and the Final Closing disclosure on Pg#232. Rate lock date was entered correctly see Pg#'s 482 An interior and exterior appraisal was completed for this property – see pg 33, 74-81 the appraisal disclosure was provided to the borrower(s)- see Pg#213, 537and copy of the appraisal was given to the borrower see Pg 213, 537 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-05/22/2025 |  | Resolved- - Due Diligence Vendor-05/28/2025 <br>Resolved-The loan's (8.516%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#468 and the Final Closing disclosure on Pg#232. Rate lock date was entered correctly see Pg#'s 482 An interior and exterior appraisal was completed for this property – see pg 33, 74-81 the appraisal disclosure was provided to the borrower(s)- see Pg#213, 537and copy of the appraisal was given to the borrower see Pg 213, 537 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-05/22/2025<br>|  |  |  | ME | Primary Residence | Purchase | NA | 4211053 | N/A | N/A |
| XXXX | 2031296 |  |  | Closed | 2025-05-22 10:27 | 2025-05-28 09:10 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Loan approval With corrected FICO provided. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/27/2025 <br>Open-Verified Lowest FICO score is 704, however Loan approval cert showing FICO score 692. - Due Diligence Vendor-05/22/2025 |  | Resolved-Loan approval With corrected FICO provided. - Due Diligence Vendor-05/28/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 4212257 | N/A | N/A |
| XXXX | 2031296 |  |  | Closed | 2025-05-22 10:18 | 2025-05-23 22:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception page #337 Property is rural & subject property is an investment (property is under 2 acres) - Due Diligence Vendor-05/22/2025 |  | Waived-Loan does not conform to program guidelines Exception page #337 Property is rural & subject property is an investment (property is under 2 acres) - Due Diligence Vendor-05/22/2025<br>|  |  | Borrower(s) have 17.33 months Reserves. Minimum required per guidelines is 3 months.<br> No derogatory credit history. | CA | Investment | Purchase | NA | 4212214 | Originator Pre-Close | Yes |
| XXXX | 2031292 |  |  | Closed | 2025-05-23 21:26 | 2025-05-28 16:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Documents received, data updated. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/27/2025 <br>Open-Final 1003 showing a different address that what is listed on the VOR - Due Diligence Vendor-05/23/2025 |  | Resolved-Documents received, data updated. - Due Diligence Vendor-05/28/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4235388 | N/A | N/A |
| XXXX | 2031292 |  |  | Closed | 2025-05-23 21:17 | 2025-05-28 16:45 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. Borrower has been SE for more than 2 years. See all companies - Buyer-05/27/2025 <br>Open-Housing History Does Not Meet Guideline Requirements First time home buyer not allowed when employed in business for less than 2 years - Due Diligence Vendor-05/23/2025 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/28/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4235323 | N/A | N/A |
| XXXX | 2034727 |  |  | Closed | 2025-05-27 11:14 | 2025-06-05 10:41 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage not present in title document in file, Provided Updated title Document, Changes made in system, Finding Resolved - Due Diligence Vendor-06/05/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/04/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount - Due Diligence Vendor-05/27/2025 |  | Resolved-Title coverage not present in title document in file, Provided Updated title Document, Changes made in system, Finding Resolved - Due Diligence Vendor-06/05/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/05/2025 | XXXX |  |  | CA | Investment | Purchase | NA | 4241266 | N/A | N/A |
| XXXX | 2034723 |  |  | Closed | 2025-05-23 12:12 | 2025-06-04 13:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Identification document is missing, provided Permanent Resident, Changes made in system, Finding Resolved - Due Diligence Vendor-06/04/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. Borrower - Buyer-06/03/2025 <br>Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower 1 Non-US Citizen identification document missing in file. Passport and VISA - Due Diligence Vendor-05/23/2025 |  | Resolved-Identification document is missing, provided Permanent Resident, Changes made in system, Finding Resolved - Due Diligence Vendor-06/04/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-06/04/2025<br>| XXXX |  |  | NC | Investment | Purchase | NA | 4225786 | N/A | N/A |
| XXXX | 2034728 |  |  | Closed | 2025-05-30 21:17 | 2025-06-04 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/03/2025 <br>Counter-Received grant, awaiting title supplement listing coverage - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. Title supplement requested. - Buyer-06/02/2025 <br>Open-Title Document is missing 1. Missing vesting in the LLC<br> 2. Missing sufficient coverage listed on title - Due Diligence Vendor-05/30/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-06/04/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 4289581 | N/A | N/A |
| XXXX | 2034722 |  |  | Closed | 2025-06-02 14:10 | 2025-06-06 20:52 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. Borrower is s verified investor with the companies and business established for this purpose. See subject property. See attached LOE for primary. - Buyer-06/05/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Borrower living rent free for 6 months with daughter, less than 12 months housing history - Due Diligence Vendor-06/02/2025 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/06/2025<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4297705 | N/A | N/A |
| XXXX | 2034722 |  |  | Closed | 2025-06-02 14:05 | 2025-06-06 20:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/05/2025 <br>Open-The Final 1003 is Missing LOX in file stating borrower has sold their primary and living rent free with their daughter, final 1003 states borrower still lives and owns primary residence - Due Diligence Vendor-06/02/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/06/2025<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4297620 | N/A | N/A |
| XXXX | 2034722 |  |  | Closed | 2025-06-02 14:28 | 2025-06-06 19:38 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/05/2025 <br>Open-Entity Formation Doc Indicator is Missing. Missing operating agreement from file - Due Diligence Vendor-06/02/2025 |  | Resolved-Validation Resolved' - Due Diligence Vendor-06/06/2025<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4297942 | N/A | N/A |
| XXXX | 2022580 |  |  | Closed | 2025-05-29 15:36 | 2025-05-30 20:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Document received - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/29/2025 <br>Open-Hazard Insurance Policy Partially Provided Binder is present but does not have a policy number - Due Diligence Vendor-05/29/2025 |  | Resolved-Document received - Due Diligence Vendor-05/30/2025<br>| XXXX |  |  | OR | Investment | Refinance | Cash Out - Other | 4270669 | N/A | N/A |
| XXXX | 2022580 |  |  | Closed | 2025-05-29 15:09 | 2025-05-30 20:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Waived-Closing in Trust /Investor Advantage<br> - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/29/2025 <br>Open-Title vesting to trust. Please advise. - Due Diligence Vendor-05/29/2025 |  | Waived-Closing in Trust /Investor Advantage<br> - Due Diligence Vendor-05/30/2025<br>| XXXX |  | DSCR is 1.61. Minimum required per guidelines is 1.<br> LTV is 70%. Maximum allowed per guidelines is 75%.<br> no mortgage lates 0 x 30 for 90 months | OR | Investment | Refinance | Cash Out - Other | 4269977 | Originator Post-Close | Yes |
| XXXX | 2022580 |  |  | Closed | 2025-05-29 14:30 | 2025-05-30 20:34 | Waived | 2 - Non-Material C B | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Waived-DSCR Does Not Meet Guideline Requirement, for DSCR borrower must own primary residence. The borrower must be renting another residence and the lease must continue for the foreseeable future (minimum of 6 months) - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/29/2025 <br>Open-DSCR Does Not Meet Guideline Requirement, for DSCR borrower must own primary residence. The borrower must be renting another residence and the lease must continue for the foreseeable future (minimum of 6 months). Please provide lease - Due Diligence Vendor-05/29/2025 |  | Waived-DSCR Does Not Meet Guideline Requirement, for DSCR borrower must own primary residence. The borrower must be renting another residence and the lease must continue for the foreseeable future (minimum of 6 months) - Due Diligence Vendor-05/30/2025<br>| XXXX |  | DSCR is 1.61. Minimum required per guidelines is 1.<br> LTV is 70%. Maximum allowed per guidelines is 75%.<br> no mortgage lates 0 x 30 for 90 months | OR | Investment | Refinance | Cash Out - Other | 4269212 | Originator Post-Close | Yes |
| XXXX | 2022580 |  |  | Closed | 2025-05-29 04:06 | 2025-05-30 08:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Final Business Purpose Affidavit Disclosure with Check box marked Provided. - Due Diligence Vendor-05/30/2025 <br>Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. - Seller-05/29/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Check box is not marked in provided Business Purpose Affidavit. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-05/29/2025<br>| Resolved-Final Business Purpose Affidavit Disclosure with Check box marked Provided. - Due Diligence Vendor-05/30/2025 <br>Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-05/30/2025<br>| XXXX |  |  | OR | Investment | Refinance | Cash Out - Other | 4265271 | N/A | N/A |
| XXXX | 2034724 |  |  | Closed | 2025-06-05 17:37 | 2025-06-09 16:47 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing letter of explanation | Waived-Exception made for no CPA letter for use of business funds - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/06/2025 <br>Open-Missing letter of explanation from CPA stating utilizing business assets will have no negative impact on the business - Due Diligence Vendor-06/05/2025 |  | Waived-Exception made for no CPA letter for use of business funds - Due Diligence Vendor-06/09/2025<br>| XXXX |  | 1. LTV is 60%. Maximum allowed per guidelines is 80%.<br> 2. No derogatory credit history listed<br> 3. Self employed more than 5+ years in the same business | OH | Primary Residence | Purchase | NA | 4348964 | Originator Post-Close | Yes |
| XXXX | 2034724 |  |  | Closed | 2025-06-04 10:48 | 2025-06-09 16:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Worksheet missing in file, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-06/09/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/06/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing income calculation worksheet for XXXX - Due Diligence Vendor-06/04/2025 |  | Resolved-Income Worksheet missing in file, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-06/09/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-06/09/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 4328185 | N/A | N/A |
| XXXX | 2034724 |  |  | Closed | 2025-06-05 18:03 | 2025-06-09 16:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/06/2025 <br>Open-Borrower 1 Business Bank Statements Missing Income calculation worksheet listing 24 months, missing 24 months bank statements - Due Diligence Vendor-06/05/2025 |  | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-06/09/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 4349392 | N/A | N/A |
| XXXX | 2034724 |  |  | Closed | 2025-06-05 17:22 | 2025-06-05 17:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible | Waived-Exception made for new condo project/number of units sold - Due Diligence Vendor-06/05/2025 |  | Waived-Exception made for new condo project/number of units sold - Due Diligence Vendor-06/05/2025<br>|  |  | 1. LTV is 60%. Maximum allowed per guidelines is 80%.<br> 2. No derogatory credit history listed<br> 3. Self employed more than 5+ years in the same business | OH | Primary Residence | Purchase | NA | 4348688 | Originator Pre-Close | Yes |

---

## Exhibit 99.43

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.43**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2031302 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 4.8 | XXXX |
| 2020211 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 2.4 | XXXX |
| 2016439 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013459 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 26.46 | 26.46 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| 2016445 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 44.59 | 44.59 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013469 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.33 | 63.33 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013476 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013466 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 4.4 | XXXX |
| 2016440 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 27.71 | 27.71 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.3 | XXXX |
| 2022663 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 77.42 | 77.42 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.8 | XXXX |
| 2018543 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.6 | XXXX |
| 2018541 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 2018549 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 72.75 | 72.75 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| 2018536 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.5 | XXXX |
| 2016436 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.52 | 51.52 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2022588 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2022661 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.87 | 64.87 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.9 | XXXX |
| 2022665 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.06 | 75.06 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 2022671 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 19.93 | 19.93 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| 2022658 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.18 | 59.18 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| 2022673 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| 2016437 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.0 | 50.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2022583 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 79.76 | 79.76 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2022672 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55.0 | 55.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 2022664 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 2031368 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 77.61 | 77.61 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| 2022666 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 2022660 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 2022670 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55.0 | 55.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 2022668 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 2022667 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.5 | XXXX |
| 2022586 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | 29.09 | 29.09 | XXXX | 0 | XXXX | Broker Price Opinion (BPO) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2036244 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 4 | XXXX |
| 2016423 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016443 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 40.9 | 40.9 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1.4 | XXXX |
| 2022581 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Broker Price Opinion (BPO) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2022582 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2022657 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 2022662 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.6 | XXXX |
| 2033686 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 66.52 | 66.52 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| 2022656 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 2022659 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.37 | 68.37 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| 2022749 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.9 | XXXX |
| 2022669 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 45.83 | 45.83 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2022654 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| 2016446 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.61 | 58.61 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2033687 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2022751 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| 2031306 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | 57.32 | 57.32 | XXXX | 80000 | XXXX | Broker Price Opinion (BPO) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | 80000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2031307 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | 65.0 | 65.0 | XXXX | 130500 | XXXX | Broker Price Opinion (BPO) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | 130500 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2031304 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2022584 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX |  | XXXX |  |  |  |  |  | XXXX | 200000 | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2022587 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Broker Price Opinion (BPO) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2033682 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 44.57 | 44.57 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 2033685 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 78.57 | 78.57 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.9 | XXXX |
| 2033690 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 73.58 | 73.58 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 2033684 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 66.67 | 66.67 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| 2033689 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 36.89 | 36.89 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3 | XXXX |
| 2033691 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.39 | 67.39 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2031308 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2031301 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2031293 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2022585 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2031284 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.0 | 67.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible |  | XXXX |
| 2034729 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 78.38 | 78.38 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| 2031299 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2031289 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2031291 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 66.76 | 66.76 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2031290 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 66.29 | 66.29 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2031285 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 2.5 | XXXX |
| 2031310 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| 2031305 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2034726 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | -27000 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | -27000 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2031298 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 4.5 | XXXX |
| 2034725 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2031288 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 61.72 | 61.72 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2031295 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2033683 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 2033688 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 2031309 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 4.6 | XXXX |
| 2031303 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2 | XXXX |
| 2031287 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 38.12 | 38.12 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX | 1082000 | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2031286 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2031300 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX | 0 | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2031297 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 2031296 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2031294 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.99 | 74.99 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2031292 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| 2034727 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | -10000 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | -10000 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2034723 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2034728 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2034722 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 60.0 | 60.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2022580 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2034724 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 60.0 | 60.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |

---

## Exhibit 99.44

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.44**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** |
| 2031302 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $6011.68 | No |  | $9021.84 | $751.82 | $1017.00 | $84.75 | $0.00 | $0.00 | $0.00 | $6848.25 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.029 | 1.029 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 124941.68 | 18.2 | 124941.68 | 18.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2020211 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/14/2025 | 6.870% | Manual Underwriting | Manual Underwriting | No | 6.949% |  | 6.750% | 6.750% | $3059.76 | No |  | $7862.52 | $655.21 | $2760.00 | $230.00 | $0.00 | $0.00 | $0.00 | $3944.97 | $16010.03 | N/A | XXXX |  | $0.00 | XXXX |  | 19.95% | 19.95% | 19.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NY | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 72457.77 | 18.4 | 72457.77 | 18.4 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2016439 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $3259.21 | No |  | $19225.80 | $1602.15 | $2415.96 | $201.33 | $0.00 | $0.00 | $0.00 | $5062.69 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.323 | 1.323 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 43148.19 | 8.5 | 146110.21 | 28.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2013459 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/04/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 6.953% |  | 6.875% | 6.875% | $5301.42 | No |  | $24582.24 | $2048.52 | $4505.16 | $375.43 | $0.00 | $0.00 | $0.00 | $7725.37 | $109469.17 | N/A | XXXX |  | $0.00 | XXXX |  | 6.64% | 8.61% | 8.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 321085.43 | 41.6 | 321085.43 | 41.6 | No | 26.46 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2016445 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/13/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.094% |  | 7.000% | 7.000% | $5488.75 | No |  | $9872.16 | $822.68 | $7337.04 | $611.42 | $5040.00 | $420.00 | $0.00 | $7342.85 | $10680.82 | N/A | XXXX | CA | $420.00 | XXXX | Monthly | 43.44% | 43.44% | 43.44% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 95530.71 | 13 | No | 44.59 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2013469 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/13/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.162% |  | 6.875% | 6.875% | $6240.82 | No |  | $21249.96 | $1770.83 | $5116.68 | $426.39 | $0.00 | $0.00 | $0.00 | $8438.04 | $22557.03 | N/A | XXXX |  | $0.00 | XXXX |  | 29.08% | 28.86% | 28.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 49.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 88086.39 | 10.4 | 88086.39 | 10.4 | No | 63.33 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2013476 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/04/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 8.068% |  | 7.625% | 7.625% | $1585.46 | No |  | $2251.68 | $187.64 | $1370.04 | $114.17 | $6240.00 | $520.00 | $0.00 | $2407.27 | $2886.95 | Yes | XXXX | FL | $520.00 | XXXX | Monthly | 46.98% | 45.47% | 45.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 135811.60 | 56.4 | 135811.60 | 56.4 | No | 80 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2013466 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/07/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 7.204% |  | 6.875% | 6.875% | $3399.61 | No |  | $5603.88 | $466.99 | $2084.04 | $173.67 | $0.00 | $0.00 | $0.00 | $4040.27 | $6650.56 | N/A | XXXX |  | $0.00 | XXXX |  | 41.31% | 41.31% | 41.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 2 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 - 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 43980.23 | 10.9 | 48559.59 | 12 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2016440 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/07/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 6.921% |  | 6.750% | 6.750% | $7458.88 | No |  | $27313.68 | $2276.14 | $16299.00 | $1358.25 | $1980.00 | $165.00 | $0.00 | $11258.27 | $61853.76 | N/A | XXXX | TX | $165.00 | XXXX | Monthly | 26.70% | 26.58% | 26.58% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | Yes | 60 | No | Yes | Yes | 6 | 0 | No |  |  |  | 58.94% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 26 | 26 | FNMA 1005 |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 244811.01 | 21.7 | 244811.01 | 21.7 | No | 27.71 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2022663 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/05/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 8.904% |  | 8.500% | 8.500% | $1845.39 | No |  | $2150.40 | $179.20 | $2560.08 | $213.34 | $0.00 | $0.00 | $0.00 | $2237.93 | $27390.01 | N/A | XXXX |  | $0.00 | XXXX |  | 10.80% | 10.71% | 10.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | WV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WV | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 229215.47 | 102.4 | No | 77.42 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2018543 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/27/2025 | 6.660% | Manual Underwriting | Manual Underwriting | No | 7.878% |  | 7.625% | 7.625% | $4897.93 | No |  | $3637.68 | $303.14 | $2777.04 | $231.42 | $0.00 | $0.00 | $0.00 | $5432.49 | $30297.51 | N/A | XXXX |  | $0.00 | XXXX |  | 15.87% | 15.51% | 15.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 33.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 82249.56 | 15.1 | 82249.56 | 15.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2018541 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/24/2025 | 6.660% | Manual Underwriting | Manual Underwriting | No | 7.579% |  | 7.375% | 7.375% | $4921.06 | No |  | $6475.44 | $539.62 | $1288.20 | $107.35 | $0.00 | $0.00 | $0.00 | $5568.03 | $23630.87 | N/A | XXXX |  | $0.00 | XXXX |  | 20.53% | 20.53% | 20.53% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - N/A | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | UT | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | 293 | UT | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 101338.39 | 18.2 | 101338.39 | 18.2 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2018549 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/25/2025 | 6.660% | Manual Underwriting | Manual Underwriting | No | 6.990% |  | 6.750% | 6.750% | $3350.01 | No |  | $13615.56 | $1134.63 | $644.04 | $53.67 | $0.00 | $0.00 | $0.00 | $4538.31 | $16489.59 | N/A | XXXX |  | $0.00 | XXXX |  | 22.81% | 22.81% | 22.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 24 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 65893.93 | 14.5 | 65893.93 | 14.5 | No | 72.75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2018536 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/28/2025 | 6.660% | Manual Underwriting | Manual Underwriting | No | 7.848% |  | 7.750% | 7.750% | $2908.63 | No |  | $3316.92 | $276.41 | $1383.00 | $115.25 | $0.00 | $0.00 | $0.00 | $3300.29 | $28033.34 | N/A | XXXX |  | $0.00 | XXXX |  | 15.16% | 15.12% | 15.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 152894.91 | 46.3 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2016436 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/11/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 6.838% |  | 6.625% | 6.625% | $2721.32 | No |  | $10312.56 | $859.38 | $1734.00 | $144.50 | $0.00 | $0.00 | $0.00 | $3725.20 | $7367.02 | N/A | XXXX |  | $0.00 | XXXX |  | 33.58% | 33.58% | 33.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34872.91 | 9.4 | 34872.91 | 9.4 | No | 51.52 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2022588 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/01/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.397% |  | 7.250% | 7.250% | $8731.86 | No |  | $9352.44 | $779.37 | $2482.08 | $206.84 | $0.00 | $0.00 | $0.00 | $9718.07 | $72654.27 | N/A | XXXX |  | $0.00 | XXXX |  | 22.40% | 16.26% | 16.26% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 450223.43 | 46.3 | 450223.43 | 46.3 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2022661 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/21/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.047% |  | 7.000% | 7.000% | $6689.62 | No |  | $28074.48 | $2339.54 | $4115.04 | $342.92 | $0.00 | $0.00 | $0.00 | $9372.08 | $49439.92 | N/A | XXXX |  | $0.00 | XXXX |  | 26.73% | 26.63% | 26.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1213497.19 | 129.5 | 1213497.19 | 129.5 | No | 64.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2022665 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/27/2025 | 6.660% | Manual Underwriting | Manual Underwriting | No | 7.840% |  | 7.750% | 7.750% | $2177.89 | No |  | $2223.00 | $185.25 | $1863.84 | $155.32 | $0.00 | $0.00 | $0.00 | $2518.46 | $3482.54 | N/A | XXXX |  | $0.00 | XXXX |  | 48.27% | 48.27% | 48.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 10046.39 | 4 | 10046.39 | 4 | No | 75.06 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2022671 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/31/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 6.792% |  | 6.625% | 6.625% | $1920.93 | No |  | $10613.04 | $884.42 | $2045.04 | $170.42 | $0.00 | $0.00 | $0.00 | $2975.77 | $10821.66 | N/A | XXXX |  | $0.00 | XXXX |  | 21.76% | 21.57% | 21.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 33.88% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 748237.90 | 251.4 | 748237.90 | 251.4 | No | 19.93 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2022658 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/20/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.055% |  | 7.000% | 7.000% | $9646.89 | No |  | $36226.32 | $3018.86 | $8061.00 | $671.75 | $275.04 | $22.92 | $0.00 | $13360.42 | $32369.82 | N/A | XXXX | TX | $22.92 | XXXX | Annually | 41.67% | 41.67% | 41.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1161494.57 | 86.9 | 1161494.57 | 86.9 | No | 59.18 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2022673 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/26/2025 | 6.660% | Manual Underwriting | Manual Underwriting | No | 7.269% |  | 7.000% | 7.000% | $3363.10 | No |  | $4784.64 | $398.72 | $1512.00 | $126.00 | $999.96 | $83.33 | $0.00 | $3971.15 | $7819.70 | N/A | XXXX | VA | $83.33 | XXXX | Annually | 34.73% | 34.73% | 34.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 40.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | VA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 117825.46 | 29.7 | 117825.46 | 29.7 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2016437 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/20/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.137% |  | 6.625% | 6.625% | $1488.72 | No |  | $5812.56 | $484.38 | $1920.00 | $160.00 | $0.00 | $0.00 | $0.00 | $2133.10 | $6139.33 | N/A | XXXX |  | $0.00 | XXXX |  | 32.64% | 32.64% | 32.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 264368.10 | 123.9 | 264368.10 | 123.9 | No | 50 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2022583 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $3181.37 | No |  | $1907.04 | $158.92 | $753.00 | $62.75 | $0.00 | $0.00 | $0.00 | $3403.04 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.469 | 1.469 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 277929.45 | 81.7 | 277929.45 | 81.7 | No | 79.76 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2022672 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $796.06 | No |  | $4158.24 | $346.52 | $1192.56 | $99.38 | $0.00 | $0.00 | $0.00 | $1241.96 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.312 | 1.312 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | OR | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 468770.27 | 377.4 | 468770.27 | 377.4 | No | 55 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2022664 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/07/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 8.027% |  | 7.875% | 7.875% | $9462.16 | No |  | $24381.12 | $2031.76 | $6145.20 | $512.10 | $0.00 | $0.00 | $0.00 | $12006.02 | $52650.22 | N/A | XXXX |  | $0.00 | XXXX |  | 28.76% | 28.62% | 28.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 125628.54 | 10.5 | 125628.54 | 10.5 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2031368 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A |  | 03/21/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 6.933% |  | 6.750% | 6.750% | $7512.40 | No |  | $15713.88 | $1309.49 | $2607.12 | $217.26 | $0.00 | $0.00 | $0.00 | $9039.15 | $8520.91 | N/A | XXXX |  | $0.00 | XXXX |  | 53.55% | 53.51% | 53.51% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 454478.35 | 64.2 | 454478.35 | 64.2 | No | 77.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2022666 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/27/2025 | 6.660% | Manual Underwriting | Manual Underwriting | No | 7.699% |  | 7.500% | 7.500% | $2421.73 | No |  | $10289.04 | $857.42 | $1247.04 | $103.92 | $780.00 | $65.00 | $0.00 | $3448.07 | $6209.53 | N/A | XXXX | TX | $65.00 | XXXX | Annually | 46.48% | 46.46% | 46.46% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Asset Utilization (DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | No | Yes | 60 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion, SSI and Disability - Award Letter Verified - 2024, 2025 \|\| Co Borrower - SSI and Disability - Award Letter Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | TX | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | TX | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 491413.02 | 142.5 | 491413.02 | 142.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2022660 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/27/2025 | 6.660% | Manual Underwriting | Manual Underwriting | No | 7.302% |  | 7.125% | 7.125% | $2012.59 | No |  | $5321.16 | $443.43 | $936.00 | $78.00 | $249.96 | $20.83 | $0.00 | $2554.85 |  | N/A | XXXX | GA | $20.83 | XXXX | Annually | 0.00% | 0.00% | 0.00% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (No DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | Yes | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 615702.44 | 241 | 615702.44 | 241 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2022670 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.500% | 6.500% | $796.06 | No |  | $4158.24 | $346.52 | $1192.56 | $99.38 | $0.00 | $0.00 | $0.00 | $1241.96 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.312 | 1.313 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | OR | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 407752.70 | 328.3 | 407752.70 | 328.3 | No | 55 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2022668 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/21/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.628% |  | 7.500% | 7.500% | $3993.91 | No |  | $8925.00 | $743.75 | $1505.04 | $125.42 | $0.00 | $0.00 | $0.00 | $4863.08 | $5476.59 | N/A | XXXX |  | $0.00 | XXXX |  | 48.24% | 48.24% | 48.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 144801.74 | 29.8 | 144801.74 | 29.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2022667 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/18/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.924% |  | 7.625% | 7.625% | $2604.68 | No |  | $1854.84 | $154.57 | $1502.04 | $125.17 | $0.00 | $0.00 | $0.00 | $2884.42 | $16883.02 | N/A | XXXX |  | $0.00 | XXXX |  | 37.16% | 37.16% | 37.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | WY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WY | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 162357.68 | 56.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2022586 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $2561.25 | No |  | $10709.52 | $892.46 | $6275.40 | $522.95 | $0.00 | $0.00 | $0.00 | $3976.66 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 2.083 | 2.083 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 40048.51 | 10.1 | 416388.03 | 104.7 | No | 29.09 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2036244 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/10/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.970% |  | 7.750% | 7.750% | $9026.79 | No |  | $10785.48 | $898.79 | $5855.04 | $487.92 | $0.00 | $0.00 | $0.00 | $10413.50 | $41595.18 | N/A | XXXX |  | $0.00 | XXXX |  | 35.12% | 35.12% | 35.12% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 36.66% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1849844.78 | 177.6 | 3059004.10 | 293.8 | No | 60 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2016423 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/08/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.386% |  | 7.000% | 7.000% | $2534.80 | No |  | $6350.04 | $529.17 | $1530.00 | $127.50 | $0.00 | $0.00 | $0.00 | $3191.47 | $5748.53 | N/A | XXXX |  | $0.00 | XXXX |  | 36.13% | 36.13% | 36.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 11372.65 | 3.6 | 11372.65 | 3.6 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2016443 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/01/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.327% |  | 6.875% | 6.875% | $1410.43 | No |  | $7420.08 | $618.34 | $1695.96 | $141.33 | $0.00 | $0.00 | $0.00 | $2170.10 | $8241.31 | N/A | XXXX |  | $0.00 | XXXX |  | 33.96% | 33.97% | 33.97% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | Yes | Yes | 12 | 0 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 58987.02 | 27.2 | 60575.81 | 27.9 | No | 40.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2022581 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $7781.45 | No |  | $20625.00 | $1718.75 | $5285.04 | $440.42 | $0.00 | $0.00 | $0.00 | $9940.62 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.09 | 1.01 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | United States of America | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 333901.47 | 33.6 | 333901.47 | 33.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2022582 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $4292.94 | No |  | $11237.52 | $936.46 | $1581.96 | $131.83 | $0.00 | $0.00 | $0.00 | $5361.23 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.175 | 1.175 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 72271.36 | 13.5 | 72271.36 | 13.5 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2022657 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/31/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 6.961% |  | 6.750% | 6.750% | $2209.64 | No |  | $5323.08 | $443.59 | $635.04 | $52.92 | $0.00 | $0.00 | $0.00 | $2706.15 | $5908.85 | N/A | XXXX |  | $0.00 | XXXX |  | 32.04% | 32.04% | 32.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 131589.46 | 48.6 | 131589.46 | 48.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2022662 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.625% | 8.625% | $9379.29 | No |  | $17470.80 | $1455.90 | $1746.84 | $145.57 | $0.00 | $0.00 | $0.00 | $10980.76 | $43772.76 | N/A | XXXX |  | $0.00 | XXXX |  | 35.58% | 27.75% | 27.75% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 85.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - SECorporation, SEPartnership - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 515369.14 | 55.4 | 515369.14 | 55.4 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2033686 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/17/2025 | 6.700% | Manual Underwriting | Manual Underwriting | No | 7.751% |  | 7.625% | 7.625% | $4943.94 | No |  | $7520.88 | $626.74 | $4340.04 | $361.67 | $1025.04 | $85.42 | $0.00 | $6017.77 | $8668.33 | N/A | XXXX | GA | $85.42 | XXXX | Annually | 46.48% | 46.19% | 46.19% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 38.20% | 33.33% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - 2023, 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 43996.27 | 7.3 | 43996.27 | 7.3 | No | 66.52 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2022656 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/17/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 9.123% |  | 8.750% | 8.750% | $3540.15 | No |  | $11580.00 | $965.00 | $1601.04 | $133.42 | $0.00 | $0.00 | $0.00 | $4638.57 | $6717.09 | N/A | XXXX |  | $0.00 | XXXX |  | 41.93% | 41.93% | 41.93% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 0 | 36 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 95128.44 | 20.5 | 95128.44 | 20.5 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2022659 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1932.78 | No |  | $7162.20 | $596.85 | $1839.72 | $153.31 | $0.00 | $0.00 | $0.00 | $2682.94 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.044 | 1.04 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 16134.63 | 6 | 16134.63 | 6 | No | 68.37 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2022749 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/07/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 8.323% |  | 7.999% | 7.999% | $2700.00 | No |  | $3922.44 | $326.87 | $1843.44 | $153.62 | $0.00 | $0.00 | $0.00 | $3180.49 | $7834.94 | N/A | XXXX |  | $0.00 | XXXX |  | 41.93% | 41.93% | 41.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 285869.03 | 89.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2022669 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $3437.50 | No |  | $12286.44 | $1023.87 | $2861.04 | $238.42 | $0.00 | $0.00 | $0.00 | $4699.79 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.415 | 1.415 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 533233.76 | 113.5 | No | 45.83 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2022654 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $1908.75 | No |  | $6321.24 | $526.77 | $3112.32 | $259.36 | $0.00 | $0.00 | $0.00 | $2694.88 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.286 | 1.286 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | LA | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | LA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 30749.72 | 11.4 | 30749.72 | 11.4 | No | 65 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2016446 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/21/2025 | 6.810% | Manual Underwriting | Manual Underwriting | No | 6.985% |  | 6.625% | 6.625% | $2810.97 | No |  | $3700.08 | $308.34 | $2312.04 | $192.67 | $0.00 | $0.00 | $0.00 | $3311.98 | $3679.88 | N/A | XXXX |  | $0.00 | XXXX |  | 47.37% | 47.37% | 47.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TN | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 17075.65 | 5.2 | 17075.65 | 5.2 | No | 58.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2033687 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $1731.68 | No |  | $3781.68 | $315.14 | $3612.96 | $301.08 | $0.00 | $0.00 | $0.00 | $2347.90 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.278 | 1.278 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | TX | MEXICO | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 9535.48 | 4.1 | 9535.48 | 4.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2022751 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/05/2025 | 6.740% | Manual Underwriting | Manual Underwriting | No | 8.190% |  | 7.625% | 7.625% | $1118.88 | No |  | $1923.36 | $160.28 | $1626.00 | $135.50 | $0.00 | $0.00 | $0.00 | $1414.66 | $1938.34 | N/A | XXXX |  | $0.00 | XXXX |  | 44.44% | 44.44% | 44.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 32828.12 | 23.2 | 32828.12 | 23.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2031306 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $6063.47 | Yes | 7.125% | $20170.68 | $1680.89 | $9692.76 | $807.73 | $0.00 | $0.00 | $0.00 | $8552.09 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.08 | 1.08 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 818 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 378732.40 | 44.3 | No | 57.32 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2031307 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | $2964.28 | Yes | 8.375% | $2618.64 | $218.22 | $8796.96 | $733.08 | $0.00 | $0.00 | $0.00 | $3915.58 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.302 | 1.2 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 232392.67 | 59.4 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2031304 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $1616.92 | No |  | $493.20 | $41.10 | $1788.24 | $149.02 | $0.00 | $0.00 | $0.00 | $1807.04 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.328 | 1.32 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 100765.68 | 55.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2022584 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $13664.12 | No |  | $11091.84 | $924.32 | $12648.24 | $1054.02 | $0.00 | $0.00 | $0.00 | $15642.46 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.279 | 1.1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 341195.67 | 21.8 | 341195.67 | 21.8 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2022587 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $6437.90 | Yes | 6.875% | $1823.52 | $151.96 | $2056.80 | $171.40 | $0.00 | $0.00 | $0.00 | $6761.26 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.026 | 1.2 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 164551.05 | 24.3 | 164551.05 | 24.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2033682 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1302.60 | No |  | $5493.84 | $457.82 | $258.00 | $21.50 | $5652.00 | $471.00 | $0.00 | $2252.92 |  | Yes | XXXX | CA | $471.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.243 | 1.243 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Usa Patriot Driving License | CA | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 102582.31 | 45.5 | 102645.24 | 45.6 | No | 44.57 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2033685 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/28/2025 | 6.660% | Manual Underwriting | Manual Underwriting | No | 9.391% |  | 9.250% | 9.250% | $3619.77 | No |  | $4282.68 | $356.89 | $1639.56 | $136.63 | $0.00 | $0.00 | $0.00 | $4113.29 | $27953.07 | N/A | XXXX |  | $0.00 | XXXX |  | 17.01% | 17.16% | 17.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States of America (USA) | XXXX |  | XXXX | Employment Authorization Card or Document |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15795.56 | 3.8 | 169635.77 | 41.2 | No | 78.57 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2033690 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $2000.00 | 7.625% | 7.625% | $1380.20 | No |  | $5680.56 | $473.38 | $885.96 | $73.83 | $500.04 | $41.67 | $0.00 | $1969.08 |  | N/A | XXXX | TX | $41.67 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.998 | 1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National | N/A | Other | Federal Republic of Nigeria National Drivers License | N/A | Nigeria | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 28016.12 | 14.2 | 28016.12 | 14.2 | No | 73.58 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2033684 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/07/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.107% |  | 7.000% | 7.000% | $2661.21 | No |  | $4517.28 | $376.44 | $932.40 | $77.70 | $588.00 | $49.00 | $0.00 | $3164.35 | $9905.67 | N/A | XXXX | NV | $49.00 | XXXX | Monthly | 29.09% | 29.09% | 29.09% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 787990.76 | 249 | 787990.76 | 249 | No | 66.67 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2033689 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/25/2025 | 6.810% | Manual Underwriting | Manual Underwriting | No | 6.989% |  | 6.750% | 6.750% | $4378.04 | No |  | $21097.08 | $1758.09 | $7751.04 | $645.92 | $1896.00 | $158.00 | $0.00 | $6940.05 | $14717.69 | N/A | XXXX | FL | $158.00 | XXXX | Monthly | 39.52% | 39.52% | 39.52% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | Yes |  | Yes | Yes | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, SSI and Disability, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Award Letter Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1318076.53 | 189.9 | 596842.99 | 86 | No | 36.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2033691 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $3938.76 | No |  | $2544.24 | $212.02 | $2754.00 | $229.50 | $2160.00 | $180.00 | $0.00 | $4560.28 |  | N/A | XXXX | TX | $180.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.987 | 0.987 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 250195.62 | 54.9 | 250195.62 | 54.9 | No | 67.39 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2031308 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1288.18 | No |  | $4259.88 | $354.99 | $1296.00 | $108.00 | $0.00 | $0.00 | $0.00 | $1751.17 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.008 | 1.008 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | KS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 207120.00 | 118.3 | 207120.00 | 118.3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2031301 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $2950.00 | No |  | $4468.32 | $372.36 | $1275.00 | $106.25 | $405.96 | $33.83 | $0.00 | $3462.44 |  | N/A | XXXX | OR | $33.83 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.011 | 1.01 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OR | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 202749.27 | 58.6 | 202749.27 | 58.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2031293 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1295.02 | No |  | $8228.88 | $685.74 | $1172.04 | $97.67 | $0.00 | $0.00 | $0.00 | $2078.43 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.251 | 1.251 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Information Form | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 11130.22 | 5.4 | 20656.82 | 9.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2022585 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/10/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.226% |  | 7.000% | 7.000% | $4919.75 | No |  | $14220.72 | $1185.06 | $1241.04 | $103.42 | $0.00 | $0.00 | $0.00 | $6208.23 | $10524.80 | N/A | XXXX |  | $0.00 | XXXX |  | 38.92% | 38.58% | 38.58% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 99.59% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 64143.33 | 10.3 | 64143.33 | 10.3 | No | 65 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2031284 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/03/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.671% |  | 7.375% | 7.375% | $2938.48 | No |  | $3290.52 | $274.21 | $2276.04 | $189.67 | $0.00 | $0.00 | $0.00 | $3402.36 | $7653.99 | N/A | XXXX |  | $0.00 | XXXX |  | 30.87% | 30.87% | 30.87% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 61.53% | 100.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Separation Agreement Verified - 2023, 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | ID | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NV | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | ID | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 77552.17 | 22.8 | 77552.17 | 22.8 | No | 67 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2034729 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | $4306.48 | No |  | $3879.36 | $323.28 | $3821.64 | $318.47 | $0.00 | $0.00 | $0.00 | $4948.23 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.01 | 1.01 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 44374.90 | 9 | 44374.90 | 9 | No | 78.38 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2031299 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $1767.36 | No |  | $7863.72 | $655.31 | $2103.84 | $175.32 | $6180.00 | $515.00 | $0.00 | $3112.99 |  | Yes | XXXX | FL | $515.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.932 | 0.932 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 39519.05 | 12.7 | 39519.05 | 12.7 | No | 65 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2031289 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $2497.14 | No |  | $7159.32 | $596.61 | $3145.92 | $262.16 | $320.04 | $26.67 | $0.00 | $3382.58 |  | N/A | XXXX | FL | $26.67 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.783 | 0.783 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 137607.90 | 40.7 | 248398.27 | 73.4 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2031291 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $2541.37 | No |  | $4914.84 | $409.57 | $2916.96 | $243.08 | $0.00 | $0.00 | $0.00 | $3194.02 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.751 | 0.751 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 129191.71 | 40.5 | No | 66.76 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2031290 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $2523.24 | No |  | $4959.72 | $413.31 | $2916.96 | $243.08 | $0.00 | $0.00 | $0.00 | $3179.63 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.755 | 0.755 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 137607.90 | 43.3 | 265883.28 | 83.6 | No | 66.29 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2031285 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $1185.13 | No |  | $5235.48 | $436.29 | $1287.00 | $107.25 | $0.00 | $0.00 | $0.00 | $1728.67 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.07 | 1.07 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | NY | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 75265.98 | 43.5 | 75265.98 | 43.5 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2031310 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1288.18 | No |  | $4259.88 | $354.99 | $1368.96 | $114.08 | $0.00 | $0.00 | $0.00 | $1757.25 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes | 4 - Verified 2+ Mos |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | Unknown | Unknown | Unknown |  | .00 |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.004 | 1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | KS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 729 | 748 | 715 | 729 |  |  |  | 729 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MI | United States | XXXX |  |  | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License | MI | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 838461.13 | 477.1 | 838461.13 | 477.1 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A |
| 2031305 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $3822.09 | No |  | $9000.00 | $750.00 | $1422.84 | $118.57 | $0.00 | $0.00 | $0.00 | $4690.66 | $74268.17 | N/A | XXXX |  | $0.00 | XXXX |  | 22.33% | 22.33% | 22.33% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 495048.64 | 105.5 | 495048.64 | 105.5 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2034726 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | $1741.59 | No |  | $2007.84 | $167.32 | $1229.04 | $102.42 | $540.00 | $45.00 | $0.00 | $2056.33 |  | N/A | XXXX | LA | $45.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.021 | 1.02 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | LA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | LA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 35052.37 | 17.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2031298 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/24/2025 | 6.810% | Manual Underwriting | Manual Underwriting | No | 7.986% |  | 7.625% | 7.625% | $4813.00 | No |  | $7062.00 | $588.50 | $1956.96 | $163.08 | $0.00 | $0.00 | $0.00 | $5564.58 | $14439.42 | N/A | XXXX |  | $0.00 | XXXX |  | 40.73% | 40.24% | 40.24% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower \|\| Co Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | PA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | PA | United States | XXXX |  |  | I-551 Conditional Permanent Resident Card w/ USCIS 1-751 |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 94705.29 | 17 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2034725 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $3918.75 | No |  | $10312.56 | $859.38 | $2245.80 | $187.15 | $0.00 | $0.00 | $0.00 | $4965.28 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.19 | 1.18 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 362271.64 | 73 | 362271.64 | 73 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 2031288 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $1946.81 | No |  | $2860.08 | $238.34 | $618.96 | $51.58 | $0.00 | $0.00 | $0.00 | $2236.73 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.053 | 1.053 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 42563.17 | 19 | No | 61.72 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2031295 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/03/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 8.483% |  | 8.000% | 8.000% | $1174.02 | No |  | $4062.96 | $338.58 | $2478.00 | $206.50 | $4764.00 | $397.00 | $0.00 | $2116.10 | $4072.55 | N/A | XXXX | FL | $397.00 | XXXX | Monthly | 39.91% | 39.82% | 39.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 36662.68 | 17.3 | 36662.68 | 17.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2033683 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/01/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.789% |  | 7.625% | 7.525% | $6115.34 | No |  | $13566.12 | $1130.51 | $567.12 | $47.26 | $10500.00 | $875.00 | $0.00 | $8168.11 | $23855.07 | Yes | XXXX | CA | $875.00 | XXXX | Monthly | 36.89% | 36.82% | 36.82% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Missing | 0 | 12 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A, Subject Property Net Rental Income(Loss) if NOO \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A |  |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 922332.97 | 112.9 | 922332.97 | 112.9 | No | 80 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2033688 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 8.625% | 8.625% | $1186.85 | No |  | $5057.04 | $421.42 | $1388.40 | $115.70 | $0.00 | $0.00 | $0.00 | $1723.97 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.015 | 1.01 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 669 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 9845.94 | 5.7 | 9845.94 | 5.7 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2031309 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/17/2025 | 6.700% | Manual Underwriting | Manual Underwriting | No | 8.170% |  | 7.875% | 7.875% | $12942.49 | No |  | $9943.80 | $828.65 | $2645.16 | $220.43 | $0.00 | $0.00 | $0.00 | $13991.57 | $38799.50 | N/A | XXXX |  | $0.00 | XXXX |  | 37.75% | 37.75% | 37.75% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 2 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  | Stocks/Bonds | Audited | 12 | CPA | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1, Extension), YTD Profit And Loss Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023 \|\| Co Borrower | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1, Extension), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023 \|\| Co Borrower | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 764025.45 | 54.6 | 764025.45 | 54.6 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2031303 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $2181.55 | No |  | $6727.32 | $560.61 | $702.96 | $58.58 | $1800.00 | $150.00 | $0.00 | $2950.74 | $20413.26 | N/A | XXXX | FL | $150.00 | XXXX | Annually | 34.96% | 34.92% | 34.92% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 21048.36 | 7.1 | 21048.36 | 7.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2031287 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/22/2025 | 6.810% | Manual Underwriting | Manual Underwriting | No | 7.994% |  | 7.500% | 7.500% | $13459.88 | No |  | $45775.20 | $3814.60 | $42267.96 | $3522.33 | $0.00 | $0.00 | $0.00 | $20796.81 | $28272.17 | N/A | XXXX |  | $0.00 | XXXX |  | 49.71% | 49.65% | 49.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 675 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 180443.00 | 8.7 | 1358496.04 | 65.3 | No | 38.12 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2031286 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/23/2025 | 6.810% | Manual Underwriting | Manual Underwriting | No | 8.321% |  | 7.875% | 7.875% | $1413.34 | No |  | $2692.92 | $224.41 | $993.00 | $82.75 | $2736.00 | $228.00 | $0.00 | $1948.50 | $7037.90 | Yes | XXXX | NV | $228.00 | XXXX | Monthly | 48.54% | 48.20% | 48.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 12291.23 | 6.3 | 12291.23 | 6.3 | No | 75 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2031300 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1740.50 | No |  | $3483.24 | $290.27 | $2038.44 | $169.87 | $0.00 | $0.00 | $0.00 | $2200.64 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 2.181 | 2.181 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IN | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 111013.82 | 50.5 | 111013.82 | 50.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2031297 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/21/2025 | 6.810% | Manual Underwriting | Manual Underwriting | No | 8.505% |  | 8.125% | 8.125% | $4276.78 | No |  | $6311.88 | $525.99 | $2842.80 | $236.90 | $0.00 | $0.00 | $0.00 | $5039.67 | $16691.65 | N/A | XXXX |  | $0.00 | XXXX |  | 34.29% | 35.19% | 35.19% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 YRS W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 12 | 0 | 57.59% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | ME | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | ME | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | ME | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 40973.37 | 8.1 | 40973.37 | 8.1 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2031296 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.500% | $1412.50 | No |  | $3437.52 | $286.46 | $1190.04 | $99.17 | $0.00 | $0.00 | $0.00 | $1798.13 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 0.945 | 0.945 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 31165.26 | 17.3 | 31165.26 | 17.3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2031294 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.999% | 7.999% | $2549.33 | No |  | $2375.16 | $197.93 | $965.76 | $80.48 | $2028.00 | $169.00 | $0.00 | $2996.74 |  | N/A | XXXX | UT | $169.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.901 | 0.901 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 344221.58 | 114.9 | 344221.58 | 114.9 | No | 74.99 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2031292 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/02/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.119% |  | 7.875% | 7.875% | $8320.17 | No |  | $16875.00 | $1406.25 | $3845.04 | $320.42 | $1776.00 | $148.00 | $0.00 | $10194.84 | $80811.13 | N/A | XXXX | CA | $148.00 | XXXX | Monthly | 12.34% | 12.32% | 12.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 306653.15 | 30.1 | 306653.15 | 30.1 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2034727 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1124.07 | No |  | $2712.48 | $226.04 | $570.00 | $47.50 | $0.00 | $0.00 | $0.00 | $1397.61 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.002 | 1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 280776.09 | 200.9 | 280776.09 | 200.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2034723 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | $2479.75 | No |  | $3093.12 | $257.76 | $818.88 | $68.24 | $2520.00 | $210.00 | $0.00 | $3015.75 |  | N/A | XXXX | NC | $210.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.829 | 0.829 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | NC | United States of America (USA) | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 58122.14 | 19.3 | 58122.14 | 19.3 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2034728 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | $4648.44 | No |  | $10937.52 | $911.46 | $4719.96 | $393.33 | $0.00 | $0.00 | $0.00 | $5953.23 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.752 | 0.752 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 74588.43 | 12.5 | 74588.43 | 12.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2034722 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $4414.56 | No |  | $4369.92 | $364.16 | $1200.96 | $100.08 | $0.00 | $0.00 | $0.00 | $4878.80 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.722 | 1.722 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 54977.44 | 11.3 | 54977.44 | 11.3 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2022580 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $2537.74 | No |  | $4189.92 | $349.16 | $2985.96 | $248.83 | $0.00 | $0.00 | $0.00 | $3135.73 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.61 | 1.61 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OR | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 193462.19 | 61.7 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2034724 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/17/2025 | 6.700% | Manual Underwriting | Manual Underwriting | No | 7.607% |  | 7.250% | 7.250% | $2726.32 | No |  | $10236.96 | $853.08 | $1035.00 | $86.25 | $2220.00 | $185.00 | $0.00 | $3850.65 | $12790.12 | Yes | XXXX | OH | $185.00 | XXXX | Monthly | 40.66% | 32.97% | 32.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 22543.60 | 7 | 22543.60 | 7 | No | 60 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |

---

## Exhibit 99.45

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.45**

---

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| **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | 2031302 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 7350 | 7050 | Appraisal - 1007 |  |  |  |  | 7050 | Appraisal - 1007 | No | 97.14 | 1.029 | 1.029 | 6848.25 | 7350 | 08-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40500 |  | XXXX |  | 7050 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 18.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2016439 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6700 | 6800 | Appraisal - 1025 |  | N/A |  |  | 6700 | Actual In Place Rent | No | 75.56 | 1.323 | 1.323 | 5062.69 | 2500 | 07-31-2025 | 12 | 2200 | 11-30-2025 | 12 | 2000 | 10-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 173000 |  | XXXX |  | 6700 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 28.86 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2022583 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5000 | Appraisal - 1007 |  | N/A |  |  | 5000 | Appraisal - 1007 | No | 68.06 | 1.469 | 1.469 | 3403.04 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22000 |  | XXXX |  | 5000 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 81.67 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2022672 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1630 | Appraisal - 1007 |  |  |  |  | 1630 | Appraisal - 1007 | No | 76.19 | 1.312 | 1.312 | 1241.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 |  | XXXX |  | 1630 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 377.44 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2022670 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1630 | Appraisal - 1007 |  |  |  |  | 1630 | Appraisal - 1007 | No | 76.19 | 1.313 | 1.312 | 1241.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 |  | XXXX |  | 1630 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 328.31 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | 2022586 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 8284.5 | 9250 | Rent Estimate - Other |  | N/A |  |  | 8284.5 | Actual In Place Rent | No | 48 | 2.083 | 2.083 | 3976.66 | 1800 | 06-01-2025 | 1 | 1800 | 06-01-2025 | 1 | 1384.5 | 06-01-2025 | 1 | 1700 | 06-01-2025 | 1 | 1600 | 06-01-2025 | 1 |  |  |  |  |  |  |  | Yes | 107200 |  | XXXX |  | 8284.5 |  |  |  |  |  |  | No | No | 7.5 | 1 | 1 | N/A | 104.71 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 2022581 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 10835 | Rent Estimate - Other |  | N/A |  |  | 10835 | Rent Estimate - Other | No | 91.75 | 1.01 | 1.09 | 9940.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 85000 |  | XXXX |  | 10835 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 33.59 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2022582 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6300 | Appraisal - 1007 |  | N/A |  |  | 6300 | Appraisal - 1007 | No | 85.1 | 1.175 | 1.175 | 5361.23 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 52000 |  | XXXX |  | 6300 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 13.48 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 2022659 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2800 | 2800 | Appraisal - 1007 |  | N/A |  |  | 2800 | Actual In Place Rent | No | 95.82 | 1.04 | 1.044 | 2682.94 | 2800 | 03-31-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14400 |  | XXXX |  | 2800 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 6.01 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 2022669 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6650 | 6650 | Appraisal - 1025 |  |  |  |  | 6650 | Appraisal - 1025 | No | 70.67 | 1.415 | 1.415 | 4699.79 | 2100 | 04-30-2025 | 1 | 2350 | 04-30-2025 | 1 | 2200 | 04-30-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 79600 |  | XXXX |  | 6650 |  |  |  |  |  |  | No | No | 23.5 | 1 | 1 | N/A | 113.46 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2022654 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Owner Occupied | 0 | 2150 | Appraisal - 1007 | 3466.63 | Airbnb | 12 |  | 3466.63 | Airbnb | Yes | 77.74 | 1.286 | 1.286 | 2694.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 3466.63 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 11.41 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2033687 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1025 |  |  |  |  | 3000 | Appraisal - 1025 | No | 78.26 | 1.278 | 1.278 | 2347.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 3000 |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | N/A | 4.06 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2031306 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 9234.16 | 18650 | Rent Estimate - Other |  | N/A |  |  | 9234.16 | Actual In Place Rent | No | 92.61 | 1.08 | 1.08 | 8552.09 | 925.15 | 06-01-2025 | 1 | 925.15 | 06-01-2025 | 1 | 873.6 | 06-01-2025 | 1 | 878.81 | 06-01-2025 | 1 | 380.62 | 06-01-2025 | 1 | 2050 | 06-01-2025 | 1 | 867.22 | 06-01-2025 | 1 |  | Yes | 90000 |  | XXXX |  | 9234.16 |  |  |  |  |  |  | No | No | 2.8 | 1 | 1 | N/A | 44.29 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2031307 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5100 | 5600 | Rent Estimate - Other |  | N/A |  |  | 5100 | Actual In Place Rent | No | 76.78 | 1.2 | 1.302 | 3915.58 | 710 | 06-01-2025 | 1 | 800 | 01-13-2026 | 12 | 665 | 06-01-2025 | 1 | 800 | 02-14-2026 | 12 | 650 | 06-01-2025 | 1 | 750 | 06-01-2025 | 1 | 725 | 06-01-2025 | 1 |  | Yes | 67200 |  | XXXX |  | 5100 |  |  |  |  |  |  | No | No | 6.6 | 1 | 1 | N/A | 59.35 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | 2031304 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1007 |  | N/A |  |  | 2400 | Appraisal - 1007 | No | 75.29 | 1.32 | 1.328 | 1807.04 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 56500 |  | XXXX |  | 2400 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 55.76 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2022584 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 20000 | Appraisal - 1007 | 20000 | Other | 12 |  | 20000 | Appraisal - 1007 | No | 78.21 | 1.1 | 1.279 | 15642.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 179400 |  | XXXX |  | 20000 |  |  |  |  |  |  | No | No | 2.6 | 1 | 1 | N/A | 21.81 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2022587 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 5849 | 6938 | Rent Estimate - Other |  | N/A |  |  | 6938 | Rent Estimate - Other | No | 97.45 | 1.2 | 1.026 | 6761.26 | 1249 | 04-30-2026 | 12 | 1500 | 04-30-2026 | 12 | 1550 | 02-28-2026 | 12 | 1550 | 02-28-2026 | 12 | 0 |  |  | 0 |  |  |  |  |  |  | Yes | 50000 |  | XXXX |  | 6938 |  |  |  |  |  |  | No | No | 0.1 | 3 | 1 | N/A | 24.34 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2033682 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2800 | 3200 | Appraisal - 1007 |  | N/A |  |  | 2800 | Actual In Place Rent | No | 80.46 | 1.243 | 1.243 | 2252.92 | 2800 | 04-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5000 |  | XXXX |  | 2800 |  |  |  |  |  |  | No | No | 7.5 | 1 | 1 | N/A | 45.56 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 2033690 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1965 | Appraisal - 1007 |  |  |  |  | 1965 | Appraisal - 1007 | No | 100.21 | 1 | 0.998 | 1969.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 1965 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 14.23 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 2033691 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4500 | Appraisal - 1007 |  | N/A |  |  | 4500 | Appraisal - 1007 | No | 101.34 | 0.987 | 0.987 | 4560.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 90020 |  | XXXX |  | 4500 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 54.86 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | 2031308 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1765 | 1900 | Appraisal - 1025 |  |  |  |  | 1765 | Actual In Place Rent | No | 99.22 | 1.008 | 1.008 | 1751.17 | 860 | 07-26-2025 | 12 | 905 | 07-29-2025 | 7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21180 |  | XXXX |  | 1765 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 118.28 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | 2031301 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3500 | Appraisal - 1007 | No | 98.93 | 1.01 | 1.011 | 3462.44 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42600 |  | XXXX |  | 3500 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 58.56 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2031293 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 2600 | Appraisal - 1007 |  | N/A |  |  | 2600 | Appraisal - 1007 | No | 79.94 | 1.251 | 1.251 | 2078.43 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  | XXXX |  | 2600 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 9.94 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2031284 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | N/A | No | 0 |  | N/A |  |  |  |  |  | N/A | No |  |  | 0 | 3402.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 22.79 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2034729 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5300 | 5000 | Appraisal - 1025 |  | N/A |  |  | 5000 | Appraisal - 1025 | No | 98.96 | 1.01 | 1.01 | 4948.23 | 2500 | 02-28-2026 | 12 | 2800 | 03-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 73600 |  | XXXX |  | 5000 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 8.97 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2031299 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1007 |  |  |  |  | 2900 | Appraisal - 1007 | No | 107.34 | 0.932 | 0.932 | 3112.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  | XXXX |  | 2900 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 12.69 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2031289 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2650 | Appraisal - 1007 |  | N/A |  |  | 2650 | Appraisal - 1007 | No | 127.64 | 0.783 | 0.783 | 3382.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34434 |  | XXXX |  | 2650 |  |  |  |  |  |  | No | No | 10.2 | 3 | 1 | N/A | 73.43 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2031291 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2700 | 2400 | Appraisal - 1007 |  |  |  |  | 2400 | Appraisal - 1007 | No | 133.08 | 0.751 | 0.751 | 3194.02 | 2700 | 03-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28500 |  | XXXX |  | 2400 |  |  |  |  |  |  | No | No | 13.4 | 3 | 1 | N/A | 40.45 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2031290 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1007 |  | N/A |  |  | 2400 | Appraisal - 1007 | No | 132.48 | 0.755 | 0.755 | 3179.63 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28500 |  | XXXX |  | 2400 |  |  |  |  |  |  | No | No | 5.3 | 3 | 1 | N/A | 83.62 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2031285 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Owner Occupied | 0 | 1850 | Appraisal - 1007 |  | N/A |  |  | 1850 | Appraisal - 1007 | No | 93.44 | 1.07 | 1.07 | 1728.67 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22200 |  | XXXX |  | 1850 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 43.54 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 2031310 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1765 | 1900 | Appraisal - 1025 |  | N/A |  |  | 1765 | Actual In Place Rent | No | 99.56 | 1 | 1.004 | 1757.25 | 905 | 07-29-2025 | 12 | 860 | 07-29-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22800 |  | XXXX |  | 1765 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 477.14 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2031305 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 3250 | Appraisal - 1007 |  | N/A |  |  | 3250 | Appraisal - 1007 | No | 144.33 |  | 0 | 4690.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  | XXXX |  | 3250 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 105.54 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | 2034726 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1007 |  | N/A |  |  | 2100 | Appraisal - 1007 | No | 97.92 | 1.02 | 1.021 | 2056.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23800 |  | XXXX |  | 2100 |  |  |  |  |  |  | No | No | 2 | 1 | 1 | N/A | 17.05 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2034725 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4950 | Appraisal - 1007 | 5907.11 | Airbnb | 12 |  | 5907.11 | Airbnb | Yes | 84.06 | 1.18 | 1.19 | 4965.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36000 |  | XXXX |  | 5907.11 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 72.96 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2031288 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2355 | 2400 | Appraisal - 1007 |  | N/A |  |  | 2355 | Actual In Place Rent | No | 94.98 | 1.053 | 1.053 | 2236.73 | 2355 | 09-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28800 |  | XXXX |  | 2355 |  |  |  |  |  |  | No | No | 1.8 | 1 | 1 | N/A | 19.03 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2033688 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  |  |  |  | 1750 | Appraisal - 1007 | No | 98.51 | 1.01 | 1.015 | 1723.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 1750 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 5.71 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | 2031303 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 2500 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 128.29 |  | 0 | 2950.74 | 2500 | 04-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13800 |  | XXXX |  | 2300 |  |  |  |  |  |  | No | No | 1.5 | 1 | 1 | N/A | 7.13 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2031300 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4800 | Appraisal - 1007 |  |  |  |  | 4800 | Appraisal - 1007 | No | 45.85 | 2.181 | 2.181 | 2200.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 57600 |  | XXXX |  | 4800 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 50.45 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2031296 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  | N/A |  |  | 1700 | Appraisal - 1007 | No | 105.77 | 0.945 | 0.945 | 1798.13 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 92050 |  | XXXX |  | 1700 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 17.33 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2031294 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2700 | Appraisal - 1007 |  | N/A |  |  | 2700 | Appraisal - 1007 | No | 110.99 | 0.901 | 0.901 | 2996.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38250 |  | XXXX |  | 2700 |  |  |  |  |  |  | No | No | 1.4 | 1 | 1 | N/A | 114.87 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2034727 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1400 | Appraisal - 1007 |  | N/A |  |  | 1400 | Appraisal - 1007 | No | 99.83 | 1 | 1.002 | 1397.61 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 77400 |  | XXXX |  | 1400 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 200.9 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2034723 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 120.63 | 0.829 | 0.829 | 3015.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  | XXXX |  | 2500 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 19.27 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 2034728 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4475 | Appraisal - 1007 |  |  |  |  | 4475 | Appraisal - 1007 | No | 133.03 | 0.752 | 0.752 | 5953.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 450000 |  | XXXX |  | 4475 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 12.53 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2034722 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 8400 | Appraisal - 1025 |  | N/A |  |  | 8400 | Appraisal - 1025 | No | 58.08 | 1.722 | 1.722 | 4878.8 | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 86000 |  | XXXX |  | 8400 |  |  |  |  |  |  | No | No | 1.9 | 1 | 1 | N/A | 11.27 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2022580 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5550 | 5050 | Appraisal - 1025 |  | N/A |  |  | 5050 | Appraisal - 1025 | No | 62.09 | 1.61 | 1.61 | 3135.73 | 1850 | 06-01-2025 | 1 | 1850 | 06-01-2025 | 1 | 1850 | 06-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 70700 |  | XXXX |  | 5050 |  |  |  |  |  |  | No | No | 15.8 | 1 | 1 | N/A | 61.7 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |

---

## Exhibit 99.46

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.46**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2031302 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2031302 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2031302 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2020211 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2016439 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2013459 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2013459 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2013459 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2016445 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2013476 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2013466 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2013466 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2016440 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2016440 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2022663 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2022663 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2022663 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2022663 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2018543 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2018541 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2018549 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2018549 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2018549 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2018536 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2018536 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2018536 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2022588 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2022588 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2022661 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2022661 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2022665 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2022665 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2022671 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2022671 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2022671 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2022658 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2022658 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2022658 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2022673 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2022673 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2022583 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2022672 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2022672 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2022672 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2022664 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2031368 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2031368 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2031368 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2031368 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2022666 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2022666 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2022666 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2022660 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2022660 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2022660 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2022670 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2022670 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2022670 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2022668 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2022667 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2022667 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2022586 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2022586 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2036244 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2036244 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2036244 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2036244 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 2036244 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| 2016423 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2016443 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2016443 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2022581 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2022581 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2022581 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2022582 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2022657 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2022657 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2022662 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2022662 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2022662 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2022662 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2033686 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2033686 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2033686 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2033686 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2033686 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2022656 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2022659 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2022659 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2022659 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2022749 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 2022669 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2022669 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2022669 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2022669 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2022654 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2016446 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2033687 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2033687 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2033687 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2033687 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2033687 |  |  | XXXX | XXXX | fraudReportPage | XXXX | XXXX | XXXX |
| 2033687 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2022751 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 2022751 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2031306 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2031306 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2031307 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2031307 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2031307 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2031304 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2031304 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2031304 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2022584 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2022587 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2022587 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2022587 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2033682 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2033682 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2033682 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2033682 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2033685 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2033685 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2033685 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2033690 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2033690 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2033690 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2033690 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2033690 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2033684 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2033684 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2033684 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2033684 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2033684 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2033689 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2033689 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2033689 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2033689 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2033689 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2033691 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2033691 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2033691 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2033691 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2031308 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2031301 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2031293 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2031284 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2034729 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2034729 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2031299 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2031289 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2031291 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2031291 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2031290 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2031290 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2031285 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2031310 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2034726 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2034725 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2031288 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2033683 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2033683 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2033683 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2033688 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2033688 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2033688 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2031287 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2031286 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2031300 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2031297 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2031297 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2031296 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2031296 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2031294 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2031294 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2031294 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2031292 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2034727 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2034723 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2034723 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2034728 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2034722 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2022580 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2034724 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2034724 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.47

**[EFMT 2025-NQM3 ABS 15G](efmt2025-abs15g.htm)**

**Exhibit 99.47**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Seller Loan ID** | **Loan ID** | **Investor Loan ID** | **Lender Name** | **Transaction ID** | **ULI** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 SSN** | **Borrower 1 Birthdate** | **Borrower 1 Gender** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Citizen** | **Borrower 1 Self-Employment Flag** | **Borrower 1 FTHB** | **Borrower 1 FICO Date** | **Borrower 1 Origination FICO** | **Borrower 1 Origination Equifax** | **Borrower 1 Origination Experian** | **Borrower 1 Origination TransUnion** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 SSN** | **Borrower 2 Birthdate** | **Borrower 2 Gender** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Citizen** | **Borrower 2 Self-Employment Flag** | **Borrower 2 FTHB** | **Borrower 2 FICO Date** | **Borrower 2 Origination FICO** | **Borrower 2 Origination Equifax** | **Borrower 2 Origination Experian** | **Borrower 2 Origination TransUnion** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 SSN** | **Borrower 3 Birthdate** | **Borrower 3 Gender** | **Borrower 3 Ethnicity** | **Borrower 3 Race** | **Borrower 3 Citizen** | **Borrower 3 Self-Employment Flag** | **Borrower 3 FTHB** | **Borrower 3 FICO Date** | **Borrower 3 Origination FICO** | **Borrower 3 Origination Equifax** | **Borrower 3 Origination Experian** | **Borrower 3 Origination TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 SSN** | **Borrower 4 Birthdate** | **Borrower 4 Gender** | **Borrower 4 Ethnicity** | **Borrower 4 Race** | **Borrower 4 Citizen** | **Borrower 4 Self-Employment Flag** | **Borrower 4 FTHB** | **Borrower 4 FICO Date** | **Borrower 4 Origination FICO** | **Borrower 4 Origination Equifax** | **Borrower 4 Origination Experian** | **Borrower 4 Origination TransUnion** | **Subject Address** | **Subject City** | **Subject Sate** | **Subject Zip Code** | **Subject County** | **Originator Doc Type** | **Occupancy** | **Loan Purpose** | **Refinance Type** | **Qualifying Front End DTI** | **Qualifying DTI** | **Borrower 1 Qualifying Income** | **Borrower 2 Qualifying Income** | **Borrower 3 Qualifying Income** | **Borrower 4 Qualifying Income** | **All Borrower Total Qualifying Income** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 1 Length of Employment** | **Borrower 2 Length of Employment** | **Borrower 3 Length of Employment** | **Borrower 4 Length of Employment** | **4506-T Flag** | **All Borrower Residual Income** | **All Borrower Monthly Debt** | **Escrow Flag** | **Months Reserves** | **Liquid Cash Reserves** | **Original Note Loan Amount** | **Original Qualifying Loan Amount** | **Original Qualifying Base LTV** | **Original Qualifying LTV** | **Original Qualifying CLTV** | **Application Date** | **Note Date** | **Cash Disbursement Date** | **Mortgage Type** | **Loan Product** | **Loan Program** | **Original Note Interest Rate** | **Original Qualifying Interest Rate** | **Original P&I Payment** | **Original Qualifying P&I Payment** | **Monthly Escrow Payment** | **Original Total Housing Expense (PITIA)** | **First Payment Date** | **Amortization Type** | **Original Amortization Term** | **Original Term to Maturity** | **Maturity Date** | **ARM Gross Margin** | **ARM Rounding Method** | **ARM Rounding Factor** | **ARM Lookback Days** | **ARM Rate Index Type** | **Origination ARM Rate Index Value** | **ARM Initial Interest Rate Cap** | **ARM Subsequent Interest Rate Cap** | **ARM Initial Interest Rate Floor** | **ARM Lifetime Interest Rate Floor** | **ARM Initial Interest Rate Maximum** | **ARM Lifetime Interest Rate Maximum** | **ARM First Rate Reset Date** | **ARM First Payment Reset Date** | **ARM Subsequent Interest Rate Reset Frequency** | **ARM Subsequent Payment Reset Frequency** | **Interest Only Flag** | **Original Interest Only Term** | **Balloon Flag** | **Buydown Flag** | **Assumable Flag** | **Prepayment Penalty Flag** | **Prepayment Penalty Total Term** | **Prepayment Penalty Type** | **Origination Channel** | **PMI Flag** | **MI Certificate Number** | **Mortgage Insurance Percent** | **Mortgage Insurance Type** | **Mortgage Insurance Company Name** | **MERS MOM Flag** | **MERS Loan ID** | **Property Type** | **Number of Units** | **Year Built** | **Primary Value Property Valuation Date** | **Primary Value Property Valuation Type** | **Primary Value Property Value** | **Secondary Value Property Valuation Date** | **Secondary Value Property Form Type** | **Secondary Value Property Value** | **Sales Price** | **Qualifying Property Value** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** | **Flood Zone Flag** | **Flood Zone Code** | **Flood Policy Number** | **Other Lien Amount** | **Other Lien Position** | **Originator QM Status** | **Final QM Status** | **Total Number of Borrowers** | **Cash Out Amount** | **Total Origination and Discount Points** | **Number of Mortgaged Properties** | **Credit Report: Max Trade Line** | **Credit Report: Longest Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Borrower 1 Years in Home** | **GSE Eligible Flag** | **AUS Case Number** | **AUS Recommendation** | **QM Points and Fees** | **Annual Percent Rate (APR)** | **Higher Priced Mortgage Loan (HPML) Flag** | **Covered/High Cost Loan Flag** | **Guideline Name** | **UW Guideline Author** | **Blanket Mortgage Flag** |
|  | 2031302 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 754 | 768 | 728 | 754 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 12533.7 | Taxes and Insurance | 18.24 | 124941.68 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 6011.68 | 6011.68 | 836.57 | 6848.25 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 143.72 | 1101.56 | 4 | 35000 | 122 | 6 | 0.07775451263537907 | 3.00 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2020211 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 734 | 747 | 734 | 732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 19.72 | 19.95 | 20000.00 | .00 | .00 | .00 | 20000.00 | Employed |  |  |  | 3.2 |  |  |  | NA | 16010.03 | 3989.97 | Taxes and Insurance | 18.37 | 72457.77 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.75 | 6.75 | 3059.76 | 3059.76 | 885.21 | 3944.97 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 9388.380000000001 | 1 | 5600 | 52 | 4 | 0.20830985915492958 | 3.00 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2016439 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 728 | 728 | 713 | 742 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5290 | Taxes and Insurance | 28.86 | 146110.21 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.75 | 6.75 | 3259.21 | 3259.21 | 1803.48 | 5062.69 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 102962.02 | 1884.38 | 4 | 25000 | 224 | 7 | 0.5849141630901288 | 14 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013459 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 787 | 794 | 783 | 787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 6.45 | 8.61 | 119781.95 | .00 | .00 | .00 | 119781.95 | Employed |  |  |  | 14.87 |  |  |  | NA | 109469.17 | 10312.78 | Taxes and Insurance | 41.56 | 321085.43 | XXXX | XXXX | 26.46 | 26.46 | 26.46 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | 5301.42 | 5301.42 | 2423.94 | 7725.37 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 324.16 | 1976.5 | 1 | 65111 | 444 | 9 | 0.04759264393309306 | 21.42 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2016445 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 740 | 740 | 772 | 730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 38.88 | 43.44 | 18883.67 | .00 | .00 | .00 | 18883.67 | Employed |  |  |  | 37.55 |  |  |  | 3 YRS | 10680.82 | 8202.85 | Taxes and Insurance | 13.01 | 95530.71 | XXXX | XXXX | 44.59 | 44.59 | 44.59 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7.0 | 5488.75 | 5488.75 | 1434.1 | 7342.85 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 95530.71 | 6270.0 | 1 | 38700 | 550 | 11 | 0.04791216970599181 | 40.17 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2013469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 763 | 762 | 781 | 763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 26.61 | 28.86 | 31709.07 | .00 | .00 | .00 | 31709.07 | Employed |  |  |  | 2.4 |  |  |  | NA | 22557.03 | 9152.04 | Taxes | 10.44 | 88086.39 | XXXX | XXXX | 63.33 | 63.33 | 63.33 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | 6240.82 | 6240.82 | 2197.22 | 8438.04 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 21145.0 | 1 | 26567 | 441 | 3 | 0.09872159090909091 | 9 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2013476 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 741 | 741 | 766 | 732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 45.47 | 45.47 | 5294.22 | .00 | .00 | .00 | 5294.22 | Employed |  |  |  | 2.64 |  |  |  | NA | 2886.95 | 2407.27 | Taxes and Insurance | 56.42 | 135811.6 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 1585.46 | 1585.46 | 301.81 | 2407.27 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 8473.0 | 1 | 36399.74 | 396 | 6 | 0.4013840830449827 | 3.08 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2013466 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 748 | 759 | 748 | 748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 35.65 | 41.31 | 11331.83 | .00 | .00 | .00 | 11331.83 | Employed |  |  |  | 2.82 |  |  |  | 3 YRS | 6650.56 | 4681.27 | Taxes and Insurance | 12.02 | 48559.59 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | 3399.61 | 3399.61 | 640.66 | 4040.27 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AH | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 221300.03 | 16376.25 | 1 | 22000 | 104 | 9 | 0.3812613981762918 | 4.17 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2016440 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 803 | 772 | 803 | 804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Rate and Term | 13.36 | 26.58 | 84250.67 | .00 | .00 | .00 | 84250.67 | Employed |  |  |  | 23.96 |  |  |  | 2 YRS | 61853.76 | 22396.91 | No Escrow | 21.74 | 244811.01 | XXXX | XXXX | 27.71 | 27.71 | 27.71 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.75 | 6.75 | 7458.88 | 7458.88 | 0 | 11258.27 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 515.23 | 19200.0 | 3 | 55322 | 387 | 6 | 0.572283950617284 | 0.17 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2022663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 780 | 778 | 807 | 780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WV | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 7.3 | 10.71 | 30674.94 | .00 | .00 | .00 | 30674.94 | Employed |  |  |  | 4.57 |  |  |  | 3 YRS | 27390.01 | 3284.93 | Taxes and Insurance | 102.42 | 229215.47 | XXXX | XXXX | 77.42 | 77.42 | 77.42 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.5 | 8.5 | 1845.39 | 1845.39 | 392.54 | 2237.93 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 229215.47 | 1425.0 | 1 | 64045 | 319 | 2 | 0 | 7.42 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2018543 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | true | XXXX | 713 | 733 | 713 | 695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 15.15 | 15.51 | 35860.00 | .00 | .00 | .00 | 35860.00 | Employed |  |  |  | 3.27 |  |  |  | Yes | 30297.51 | 5562.49 | Taxes and Insurance | 15.14 | 82249.56 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 4897.93 | 4897.93 | 534.56 | 5432.49 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 10937.6 | 1 | 6000 | 29 | 4 | 0.1721105527638191 | 2.17 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2018541 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 718 | 727 | 688 | 718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 750 | 743 | 792 | 750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 18.73 | 20.53 | 29734.57 | .00 | .00 | .00 | 29734.57 | Employed | Not Employed |  |  | 4.54 |  |  |  | NA | 23630.87 | 6103.7 | Taxes and Insurance | 18.2 | 101338.39 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | 4921.06 | 4921.06 | 646.97 | 5568.03 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | D | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 10602.0 | 1 | 33000 | 150 | 3 | 0.016129518072289156 | 0.75 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2018549 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 741 | 741 | 693 | 757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 21.24 | 22.81 | 21363.00 | .00 | .00 | .00 | 21363.00 | Employed |  |  |  | 6.24 |  |  |  | NA | 16489.59 | 4873.41 | No Escrow | 14.52 | 65893.93 | XXXX | XXXX | 72.75 | 72.75 | 72.75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.75 | 6.75 | 3350.01 | 3350.01 | 0 | 4538.31 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 3123.0 | 10220.0 | 2 | 21000 | 107 | 10 | 0.17880778588807786 | 1.25 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2018536 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 735 | 755 | 735 | 709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 9.99 | 15.12 | 33026.08 | .00 | .00 | .00 | 33026.08 | Employed |  |  |  | 7.2 |  |  |  | NA | 28033.34 | 4992.74 | Taxes and Insurance | 46.33 | 152894.91 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | 2908.63 | 2908.63 | 391.66 | 3300.29 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 152894.91 | 1595.0 | 2 | 61528 | 235 | 6 | 0.23037417461482024 | 10.83 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2016436 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 809 | 806 | 815 | 809 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 33.58 | 33.58 | 11092.22 | .00 | .00 | .00 | 11092.22 | Employed |  |  |  | 15.16 |  |  |  | NA | 7367.02 | 3725.2 | Taxes and Insurance | 9.36 | 34872.91 | XXXX | XXXX | 51.52 | 51.52 | 51.52 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.625 | 6.625 | 2721.32 | 2721.32 | 1003.88 | 3725.2 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 6395.0 | 1 | 12000 | 275 | 2 | 0 | 5.17 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2022588 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 805 | 804 | 805 | 817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 797 | 797 | 803 | 794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Second Home | Purchase | NA | 3.75 | 16.26 | 43378.50 | 43378.50 | .00 | .00 | 86757.00 | Employed | Employed |  |  | 9.33 | 9.33 |  |  | NA | 72654.27 | 14102.73 | Taxes and Insurance | 46.33 | 450223.43 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.25 | 7.25 | 8731.86 | 8731.86 | 986.21 | 9718.07 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 11745.0 | 2 | 25000 | 167 | 1 | 0.0015873015873015873 | 5.83 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2022661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 798 | 798 | 793 | 798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 13.91 | 26.63 | 67387.00 | .00 | .00 | .00 | 67387.00 | Employed |  |  |  | 16.82 |  |  |  | NA | 49439.92 | 17947.08 | No Escrow | 129.48 | 1213497.19 | XXXX | XXXX | 64.87 | 64.87 | 64.87 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.0 | 7.0 | 6689.62 | 6689.62 | 0 | 9372.08 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 350.0 | 3 | 172443 | 239 | 4 | 0.000039761431411530815 | 1.50 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2022665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 793 | 793 | 776 | 800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 37.41 | 48.27 | 6732.00 | .00 | .00 | .00 | 6732.00 | Employed |  |  |  | 5.32 |  |  |  | NA | 3482.54 | 3249.46 | Taxes and Insurance | 3.99 | 10046.39 | XXXX | XXXX | 75.06 | 75.06 | 75.06 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | 2177.89 | 2177.89 | 340.57 | 2518.46 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.0 | 2 | 12000 | 220 | 2 | 0.17525 | 6.33 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2022671 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 759 | 750 | 792 | 759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 21.57 | 21.57 | 13797.43 | .00 | .00 | .00 | 13797.43 | Employed |  |  |  | 4.36 |  |  |  | 2 YRS | 10821.66 | 2975.77 | No Escrow | 251.44 | 748237.9 | XXXX | XXXX | 19.93 | 19.93 | 19.93 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.625 | 6.625 | 1920.93 | 1920.93 | 0 | 2975.77 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 8127.3 | 3675.0 | 2 | 0 | 519 | 0 | 0 | 1.50 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2022658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 788 | 788 | 779 | 788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 24.08 | 41.67 | 55491.35 | .00 | .00 | .00 | 55491.35 | Employed |  |  |  | 18.07 |  |  |  | NA | 32369.82 | 23121.53 | Taxes and Insurance | 86.94 | 1161494.57 | XXXX | XXXX | 59.18 | 59.18 | 59.18 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7.0 | 9646.89 | 9646.89 | 3690.62 | 13360.42 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 3237.5 | 1 | 65000 | 349 | 4 | 0.048007604562737644 | 25.42 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2022673 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 793 | 814 | 793 | 789 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 33.15 | 34.73 | 11980.85 | .00 | .00 | .00 | 11980.85 | Employed |  |  |  | 22.82 |  |  |  | NA | 7819.7 | 4161.15 | Taxes and Insurance | 29.67 | 117825.46 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7.0 | 3363.1 | 3363.1 | 524.72 | 3971.15 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.0 | 1 | 15000 | 219 | 9 | 0.03691833590138675 | 5.17 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2016437 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 685 | 687 | 685 | 682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 23.4 | 32.64 | 9114.43 | .00 | .00 | .00 | 9114.43 | Employed |  |  |  | 2.23 |  |  |  | NA | 6139.33 | 2975.1 | No Escrow | 123.94 | 264368.1 | XXXX | XXXX | 50.0 | 50.0 | 50.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.625 | 6.625 | 1488.72 | 1488.72 | 0 | 2133.1 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 8538.75 | 1 | 22974 | 239 | 12 | 0.18469594594594593 | 3.00 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2022583 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 787 | 795 | 772 | 787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 30738 | Taxes and Insurance | 81.67 | 277929.45 | XXXX | XXXX | 79.76 | 79.76 | 79.76 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.75 | 6.75 | 3181.37 | 3181.37 | 221.67 | 3403.04 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 3678.75 | 10 | 73500 | 290 | 5 | 0.25423711714620073 | 12.33 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2022672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 770 | 783 | 770 | 768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 781 | 791 | 779 | 781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 377.44 | 468770.27 | XXXX | XXXX | 55.0 | 55.0 | 55.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.5 | 6.5 | 796.06 | 796.06 | 445.9 | 1241.96 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 2212.16 | 3 | 0 | 245 | 0 | 0 | 2.83 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2022664 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 799 | 799 | 799 | 800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 16.28 | 28.62 | 73760.71 | .00 | .00 | .00 | 73760.71 | Employed |  |  |  | 19.7 |  |  |  | Yes | 52650.22 | 21110.49 | Taxes and Insurance | 10.46 | 125628.54 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | 9462.16 | 9462.16 | 2543.86 | 12006.02 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.0 | 2 | 53328 | 394 | 5 | 0.019213161659513592 | 4 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2031368 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 792 | 796 | 792 | 782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 49.32 | 53.51 | 18328.06 | .00 | .00 | .00 | 18328.06 | Employed |  |  |  | 11.76 |  |  |  | 1 YR | 8520.91 | 9807.15 | Taxes and Insurance | 64.15 | 454478.35 | XXXX | XXXX | 77.61 | 77.61 | 77.61 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.75 | 6.75 | 5557.5 | 7512.4 | 1526.75 | 7084.25 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 6365.0 | 1 | 38958 | 252 | 9 | 0.09192076830732293 | 0.58 | Yes |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2022666 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 760 | 769 | 754 | 760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 789 | 779 | 789 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 29.73 | 46.46 | 8360.20 | 3238.40 | .00 | .00 | 11598.60 | Employed | Not Employed |  |  | 0.38 |  |  |  | NA | 6209.53 | 5389.07 | Taxes and Insurance | 142.52 | 491413.02 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | 2421.73 | 2421.73 | 961.34 | 3448.07 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 4021.31 | 1 | 48321 | 549 | 7 | 0.1319693094629156 | 0.67 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2022660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 795 | 795 | 787 | 807 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 796 | 796 | 762 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 | Not Employed | Not Employed |  |  |  | 0.19 |  |  | NA |  | 4243.85 | Taxes and Insurance | 240.99 | 615702.44 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.125 | 7.125 | 2012.59 | 2012.59 | 521.43 | 2554.85 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 3665.46 | 1 | 60000 | 362 | 3 | 0.024245014245014244 | 1 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2022670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 770 | 783 | 770 | 768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 781 | 791 | 779 | 781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 328.31 | 407752.7 | XXXX | XXXX | 55.0 | 55.0 | 55.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.5 | 6.5 | 796.06 | 796.06 | 445.9 | 1241.96 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 2212.16 | 3 | 0 | 245 | 0 | 0 | 2.83 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2022668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 771 | 752 | 772 | 771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 45.96 | 48.24 | 10580.11 | .00 | .00 | .00 | 10580.11 | Employed |  |  |  | 2.43 |  |  |  | NA | 5476.59 | 5103.52 | Taxes and Insurance | 29.78 | 144801.74 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | 3993.91 | 3993.91 | 869.17 | 4863.08 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.0 | 1 | 50220 | 173 | 22 | 0.3686 | 25.58 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2022667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 794 | 794 | 784 | 806 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WY | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 10.74 | 37.16 | 26866.34 | .00 | .00 | .00 | 26866.34 | Employed |  |  |  | 24.99 |  |  |  | NA | 16883.02 | 9983.32 | No Escrow | 56.29 | 162357.68 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 2604.68 | 2604.68 | 0 | 2884.42 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | C | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 162357.68 | 1425.0 | 3 | 61151 | 513 | 10 | 0.05277587388622344 | 0.75 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2022586 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 775 | 774 | 775 | 782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4276 | Taxes and Insurance | 104.71 | 416388.03 | XXXX | XXXX | 29.09 | 29.09 | 29.09 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.625 | 6.625 | 2561.25 | 2561.25 | 1415.41 | 3976.66 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | 5-10 Unit Multi-Family | 5 | XXXX | XXXX | Other | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 376339.52 | 0.0 | 8 | 50000 | 324 | 4 | 0.1554061135371179 | 27 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2036244 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 747 | 747 | 743 | 766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | ALT DOC | Second Home | Refinance | Cash Out - Other | 10.3 | 35.12 | 64106.68 | .00 | .00 | .00 | 64106.68 | Employed |  |  |  | 11.3 |  |  |  | Yes | 41595.18 | 22511.5 | Taxes and Insurance | 293.75 | 3059004.1 | XXXX | XXXX | 60.0 | 60.0 | 60.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | 9026.79 | 9026.79 | 1386.71 | 10413.5 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 1209159.32 | 20949.0 | 2 | 112783 | 444 | 30 | 0.014774260275204605 | 5.17 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2016423 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 767 | 767 | 785 | 766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 35.46 | 36.13 | 9000.00 | .00 | .00 | .00 | 9000.00 | Employed |  |  |  | 12.18 |  |  |  | NA | 5748.53 | 3251.47 | Taxes and Insurance | 3.56 | 11372.65 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7.0 | 2534.8 | 2534.8 | 656.67 | 3191.47 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 12146.25 | 1 | 15500 | 77 | 7 | 0.046036960985626284 | 3.83 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2016443 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 794 | 806 | 780 | 794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 801 | 808 | 777 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 17.39 | 33.97 | 8619.52 | 3860.89 | .00 | .00 | 12480.41 | Employed | Employed |  |  | 2.81 | 31.63 |  |  | NA | 8241.31 | 4239.1 | Taxes and Insurance | 27.91 | 60575.81 | XXXX | XXXX | 40.9 | 40.9 | 40.9 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | 1410.43 | 1410.43 | 759.67 | 2170.1 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 1588.79 | 8586.0 | 1 | 57296 | 357 | 12 | 0.07275280898876405 | 19.08 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2022581 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 769 | 785 | 769 | 764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 6519.16 | Taxes and Insurance | 33.59 | 333901.47 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 7781.45 | 7781.45 | 1890.5 | 9940.62 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | 5-10 Unit Multi-Family | 5 | XXXX | XXXX | Other | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 0.0 | 3 | 51000 | 220 | 10 | 0.08043816592840895 | 3 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2022582 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 759 | 768 | 759 | 745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 14119 | Taxes and Insurance | 13.48 | 72271.36 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 4292.94 | 4292.94 | 1068.29 | 5361.23 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 0.0 | 2 | 71912 | 190 | 21 | 0.0022072092915644812 | 0.75 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2022657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 794 | 794 | 812 | 781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 31.13 | 32.04 | 8694.00 | .00 | .00 | .00 | 8694.00 | Employed |  |  |  | 2.31 |  |  |  | NA | 5908.85 | 2785.15 | Taxes and Insurance | 48.63 | 131589.46 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.75 | 6.75 | 2209.64 | 2209.64 | 496.51 | 2706.15 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 350.0 | 1 | 14300 | 103 | 5 | 0.012121212121212121 | 5.00 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2022662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 725 | 725 | 762 | 720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 746 | 746 | 790 | 714 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 14.12 | 27.75 | 11696.54 | 48886.47 | .00 | .00 | 60583.01 | Employed | Employed |  |  | 6.07 | 2.18 |  |  | Yes | 43772.76 | 16810.25 | Taxes and Insurance | 55.42 | 515369.14 | XXXX | XXXX | 85.0 | 85.0 | 85.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.625 | 8.625 | 7697.81 | 9379.29 | 1601.47 | 9299.28 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 1425.0 | 3 | 42200 | 239 | 9 | 0.2678870051407368 | 2.33 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2033686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 810 | 810 | 818 | 808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 785 | 785 | 786 | 757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 37.36 | 46.19 | 6525.58 | 9583.32 | .00 | .00 | 16108.90 | Employed | Employed |  |  | 3.73 | 6.31 |  |  | Yes | 8668.33 | 7440.57 | Taxes and Insurance | 7.31 | 43996.27 | XXXX | XXXX | 66.52 | 66.52 | 66.52 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 4943.94 | 4943.94 | 988.41 | 6017.77 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 655.67 | 6649.78 | 2 | 50000 | 150 | 4 | 0.10718493150684931 | 3.42 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2022656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 702 | 676 | 702 | 727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 40.1 | 41.93 | 11566.66 | .00 | .00 | .00 | 11566.66 | Employed |  |  |  | 1.84 |  |  |  | 2 YRS | 6717.09 | 4849.57 | Taxes and Insurance | 20.51 | 95128.44 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.75 | 8.75 | 3540.15 | 3540.15 | 1098.42 | 4638.57 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1075.0 | 2 | 35298 | 336 | 12 | 0.05921232876712329 | 5.42 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2022659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 688 | 677 | 688 | 688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | No Escrow | 6.01 | 16134.63 | XXXX | XXXX | 68.37 | 68.37 | 68.37 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 1932.78 | 1932.78 | 0 | 2682.94 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 7557.4 | 2 | 0 | 277 | 0 | 0 | 2 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2022749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 710 | 710 | 724 | 658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 23.57 | 41.93 | 13492.43 | .00 | .00 | .00 | 13492.43 | Employed |  |  |  | 10.16 |  |  |  | NA | 7834.94 | 5657.49 | Taxes and Insurance | 89.88 | 285869.03 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.999 | 7.999 | 2700 | 2700.0 | 480.5 | 3180.49 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 285869.03 | 1995.0 | 1 | 59046 | 127 | 5 | 0.0984 | 5.00 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2022669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 767 | 807 | 767 | 729 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 113.46 | 533233.76 | XXXX | XXXX | 45.83 | 45.83 | 45.83 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.5 | 7.5 | 3437.5 | 3437.5 | 1262.29 | 4699.79 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | D | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 533233.76 | 3075.0 | 7 | 0 | 442 | 0 | 0 | 20.00 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2022654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 791 | 798 | 791 | 787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX |  | 613 | 625 | 663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MS | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 11.41 | 30749.72 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.875 | 7.875 | 1908.75 | 1908.75 | 786.13 | 2694.88 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 5536.97 | 2 | 0 | 301 | 0 | 0 | 2.83 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016446 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 752 | 738 | 752 | 752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 47.37 | 47.37 | 6991.86 | .00 | .00 | .00 | 6991.86 | Employed |  |  |  | 24.0 |  |  |  | NA | 3679.88 | 3311.98 | Taxes and Insurance | 5.16 | 17075.65 | XXXX | XXXX | 58.61 | 58.61 | 58.61 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.625 | 6.625 | 2810.97 | 2810.97 | 501.01 | 3311.98 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 1115.69 | 3153.86 | 1 | 19887 | 230 | 4 | 0.012 | 0.42 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2033687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen |  | false | XXXX | 760 | 766 | 760 | 745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | No Escrow | 4.06 | 9535.48 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8 | 8.0 | 1731.68 | 1731.68 | 0 | 2347.9 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | C | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 4700.16 | 2 | 0 | 107 | 0 | 0 | 5 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2022751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 711 | 697 | 711 | 728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 40.55 | 44.44 | 3489.00 | .00 | .00 | .00 | 3489.00 | Employed |  |  |  | 5.27 |  |  |  | NA | 1938.34 | 1550.66 | Taxes and Insurance | 23.21 | 32828.12 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 1118.88 | 1118.88 | 295.78 | 1414.66 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Attached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1995.0 | 1 | 6408 | 60 | 6 | 0 | 1.25 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2031306 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 818 | 796 | 824 | 818 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 8004.44 | No Escrow | 44.29 | 378732.4 | XXXX | XXXX | 57.32 | 57.32 | 57.32 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 6063.47 | 6063.47 | 0 | 8552.09 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | 5-10 Unit Multi-Family | 9 | XXXX | XXXX | Other | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 378732.4 | 0.0 | 2 | 27000 | 306 | 6 | 0.024867164865240494 | 26.00 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031307 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 723 | 696 | 723 | 755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 18770 | Taxes and Insurance | 59.35 | 232392.67 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.375 | 8.375 | 2964.28 | 2964.28 | 951.3 | 3915.58 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | 5-10 Unit Multi-Family | 7 | XXXX | XXXX | Other | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 232392.67 | 3900.0 | 3 | 96309 | 356 | 11 | 0.45981687442462243 | 14 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031304 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 764 | 782 | 764 | 764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 8826 | Taxes and Insurance | 55.76 | 100765.68 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 1616.92 | 1616.92 | 190.12 | 1807.04 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 100765.68 | 3600.0 | 2 | 36686 | 194 | 17 | 0.13133841131664853 | 6 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2022584 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 764 | 764 | 790 | 725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2007 | Taxes and Insurance | 21.81 | 341195.67 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 13664.12 | 13664.12 | 4387.35 | 15642.46 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 31200.0 | 3 | 24161 | 539 | 7 | 0 | 8 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2022587 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 771 | 771 | 767 | 785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3542 | Taxes and Insurance | 24.34 | 164551.05 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 6437.9 | 6437.9 | 323.36 | 6761.26 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | 5-10 Unit Multi-Family | 6 | XXXX | XXXX | Other | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 3285.65 | 0.0 | 6 | 27884 | 232 | 4 | 0 | 3 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2033682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen |  | false | XXXX | 758 | 758 | 749 | 778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | No Escrow | 45.56 | 102645.24 | XXXX | XXXX | 44.57 | 44.57 | 44.57 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 1302.6 | 1302.6 | 0 | 2252.92 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | D | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 62.93 | 2233.5 | 3 | 0 | 295 | 0 | 0 | 3 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2033685 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 680 | 678 | 680 | 686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 12.19 | 17.16 | 33743.11 | .00 | .00 | .00 | 33743.11 | Employed |  |  |  | 7.34 |  |  |  | NA | 27953.07 | 5790.04 | Taxes and Insurance | 41.24 | 169635.77 | XXXX | XXXX | 78.57 | 78.57 | 78.57 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 9.25 | 9.25 | 3619.77 | 3619.77 | 493.52 | 4113.29 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 153840.21 | 1753.6 | 1 | 43487 | 121 | 10 | 0.14340206185567012 | 0.25 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2033690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Foreign National |  | false | XXXX | 798 | 774 | 799 | 798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | No Escrow | 14.23 | 28016.12 | XXXX | XXXX | 73.58 | 73.58 | 73.58 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 1380.2 | 1380.2 | 0 | 1969.08 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 63.5 | 1 | 0 | 105 | 0 | 0 | 2.50 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2033684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 798 | 782 | 801 | 798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 804 | 806 | 804 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 22.65 | 29.09 | 6984.51 | 6984.51 | .00 | .00 | 13969.02 | Employed | Employed |  |  | 12.24 | 12.24 |  |  | 2 YRS | 9905.67 | 4063.35 | Taxes and Insurance | 249.02 | 787990.76 | XXXX | XXXX | 66.67 | 66.67 | 66.67 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7.0 | 2661.21 | 2661.21 | 454.14 | 3164.35 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1425.0 | 1 | 12700 | 341 | 8 | 0 | 6.25 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2033689 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 770 | 770 | 788 | 734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 28.52 | 39.52 | 24335.07 | .00 | .00 | .00 | 24335.07 | Retired |  |  |  |  |  |  |  | Yes | 14717.69 | 9617.38 | Taxes and Insurance | 86 | 1914919.52 | XXXX | XXXX | 36.89 | 36.89 | 36.89 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.75 | 6.75 | 4378.04 | 4378.04 | 2404.01 | 6940.05 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 631443.99 | 350.0 | 1 | 51000 | 607 | 3 | 0.3836031042128603 | 2 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2033691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 771 | 771 | 776 | 771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 54.86 | 250195.62 | XXXX | XXXX | 67.39 | 67.39 | 67.39 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 3938.76 | 3938.76 | 441.52 | 4560.28 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 13055.5 | 1 | 0 | 352 | 0 | 0 | 26 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031308 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 779 | 779 | 769 | 784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | KS | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 28537.7 | Taxes and Insurance | 118.28 | 207120 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 1288.18 | 1288.18 | 462.99 | 1751.17 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 0.0 | 6 | 98688 | 252 | 8 | 0.005635774274348018 | 3.33 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031301 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 715 | 702 | 780 | 715 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OR | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 17246.44 | Taxes and Insurance | 58.56 | 202749.27 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 2950 | 2950 | 478.61 | 3462.44 | XXXX | Fixed | 360 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 3600.0 | 3 | 700000 | 140 | 4 | 0.060171358629130964 | 5 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031293 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 703 | 705 | 673 | 703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Home Improvement/Reno | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 6131 | Taxes and Insurance | 9.94 | 20656.82 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 1295.02 | 1295.02 | 783.41 | 2078.43 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 9526.6 | 1875.0 | 4 | 23866 | 252 | 8 | 0.8258636363636364 | 0.83 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2022585 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 711 | 711 | 708 | 719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 716 | 721 | 708 | 716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 36.23 | 38.58 | 17137.03 | .00 | .00 | .00 | 17137.03 | Employed | Not Employed |  |  | 20.24 |  |  |  | NA | 10524.8 | 6612.23 | Taxes and Insurance | 10.33 | 64143.33 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7.0 | 4919.75 | 4919.75 | 1288.48 | 6208.23 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 13837.150000000001 | 2 | 14500 | 343 | 5 | 0.05758835758835759 | 10 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2031284 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 682 | 634 | 692 | 682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 608 | 611 | 608 | 594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | ID | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 30.73 | 30.87 | 6812.15 | 4259.20 | .00 | .00 | 11071.35 | Employed | Employed |  |  | 13.32 | 0.68 |  |  | NA | 7653.99 | 3417.36 | Taxes and Insurance | 22.79 | 77552.17 | XXXX | XXXX | 67.0 | 67.0 | 67.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | 2938.48 | 2938.48 | 463.88 | 3402.36 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 2145.0 | 1 | 33287 | 139 | 12 | 0.27178386115584185 | 14 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2034729 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 735 | 746 | 735 | 720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5682.14 | Taxes and Insurance | 8.97 | 44374.9 | XXXX | XXXX | 78.38 | 78.38 | 78.38 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.125 | 8.125 | 4306.48 | 4306.48 | 641.75 | 4948.23 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 7250.0 | 3 | 22500 | 128 | 7 | 0.37319057815845824 | 1.5 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031299 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 724 | 744 | 724 | 718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 7042 | Taxes and Insurance | 12.69 | 39519.05 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.875 | 7.875 | 1767.36 | 1767.36 | 830.63 | 3112.99 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 609.38 | 3 | 26000 | 310 | 8 | 0.6301627906976744 | 22.00 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031289 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 700 | 700 | 680 | 735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 24871 | Taxes and Insurance | 73.43 | 248398.27 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.875 | 7.875 | 2497.14 | 2497.14 | 858.77 | 3382.58 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 110790.37 | 0.0 | 7 | 46953 | 244 | 9 | 0.43533755274261604 | 5 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031291 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 700 | 700 | 680 | 735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 24400 | Taxes and Insurance | 40.45 | 129191.71 | XXXX | XXXX | 66.76 | 66.76 | 66.76 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.875 | 7.875 | 2541.37 | 2541.37 | 652.65 | 3194.02 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Attached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 129191.71 | 2190.63 | 7 | 46953 | 243 | 9 | 0.4366033755274262 | 5.17 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031290 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 700 | 700 | 680 | 735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 26333 | Taxes and Insurance | 83.62 | 265883.28 | XXXX | XXXX | 66.29 | 66.29 | 66.29 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.875 | 7.875 | 2523.24 | 2523.24 | 656.39 | 3179.63 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Attached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 128275.38 | 870.0 | 7 | 46953 | 244 | 9 | 0.4366033755274262 | 5.17 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031285 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 809 | 803 | 809 | 812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 808 | 808 | 804 | 811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2458 | Taxes and Insurance | 43.54 | 75265.98 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.5 | 6.5 | 1185.13 | 1185.13 | 543.54 | 1728.67 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 3515.63 | 6 | 37771 | 256 | 8 | 0.01880225080385852 | 3.92 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031310 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 779 | 779 | 769 | 784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 782 | 782 | 783 | 767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 729 | 748 | 715 | 729 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | KS | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 52823 | Taxes and Insurance | 477.14 | 838461.13 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 1288.18 | 1288.18 | 469.07 | 1757.25 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 3 | 0 | 3640.0 | 11 | 98688 | 252 | 8 | 0.08011727693498708 | 3.33 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031305 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 751 | 750 | 770 | 751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 7.12 | 22.33 | 95625.68 | .00 | .00 | .00 | 95625.68 | Employed |  |  |  | 3.38 |  |  |  | NA | 74268.17 | 21357.51 | Taxes and Insurance | 105.54 | 495048.64 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 3822.09 | 3822.09 | 868.57 | 4690.66 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 2145.0 | 3 | 24324 | 246 | 11 | 0.4022971462463216 | 4.08 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2034726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 702 | 679 | 755 | 702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | LA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 35069 | Taxes and Insurance | 17.05 | 35052.37 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.5 | 8.5 | 1741.59 | 1741.59 | 269.74 | 2056.33 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 24 | 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 35052.37 | 195.0 | 5 | 35137 | 216 | 6 | 0.16690721649484536 | 1 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031298 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 740 | 740 | 740 | 720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 741 | 704 | 741 | 745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 23.03 | 40.24 | 5006.00 | 19158.00 | .00 | .00 | 24164.00 | Employed | Employed |  |  | 5.15 | 5.15 |  |  | NA | 14439.42 | 9724.58 | Taxes and Insurance | 17.02 | 94705.29 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 4813 | 4813 | 751.58 | 5564.58 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 94705.29 | 2145.0 | 2 | 34641 | 131 | 10 | 0.2812838702092847 | 0.67 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2034725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 780 | 780 | 825 | 766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 762 | 762 | 792 | 749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 10019 | Taxes and Insurance | 72.96 | 362271.64 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 3918.75 | 3918.75 | 1046.53 | 4965.28 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 12375.0 | 4 | 56998 | 236 | 6 | 0.21696483180428133 | 1.83 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031288 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 686 | 658 | 688 | 686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 10518 | Taxes and Insurance | 19.03 | 42563.17 | XXXX | XXXX | 61.72 | 61.72 | 61.72 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.875 | 7.875 | 1946.81 | 1946.81 | 289.92 | 2236.73 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 42563.17 | 1678.13 | 3 | 36000 | 202 | 5 | 0.6205571428571428 | 4.25 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031295 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 706 | 706 | 701 | 717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 31.27 | 39.82 | 6767.31 | .00 | .00 | .00 | 6767.31 | Employed |  |  |  | 3.64 |  |  |  | NA | 4072.55 | 2694.76 | Taxes and Insurance | 17.33 | 36662.68 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8 | 8.0 | 1174.02 | 1174.02 | 545.08 | 2116.1 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2345.0 | 1 | 16200 | 135 | 13 | 0.10811965811965812 | 2.41 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2033683 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 812 | 793 | 828 | 812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 792 | 780 | 798 | 792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 21.63 | 36.82 | .00 | 37758.00 | .00 | .00 | 37758.00 | Not Employed | Employed |  |  |  | 1.2 |  |  | NA | 23855.07 | 13902.93 | No Escrow | 112.92 | 922332.97 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 6115.34 | 6115.34 | 0 | 8168.11 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 5658.6 | 2 | 23000 | 372 | 5 | 0.1579184247538678 | 17.08 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2033688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 669 | 669 | 688 | 639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | No Escrow | 5.71 | 9845.94 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.625 | 8.625 | 1186.85 | 1186.85 | 0 | 1723.97 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 6575.02 | 1 | 0 | 340 | 0 | 0 | 5.00 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031309 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 792 | 780 | 792 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 762 | 762 | 781 | 741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OR | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 22.45 | 37.75 | 62327.29 | .00 | .00 | .00 | 62327.29 | Employed | Not Employed |  |  | 4.77 |  |  |  | 3 YRS | 38799.5 | 23527.79 | Taxes and Insurance | 54.61 | 764025.45 | XXXX | XXXX | 85.0 | 85.0 | 85.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | 12942.49 | 12942.49 | 1049.08 | 13991.57 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 38126.25 | 3 | 50097 | 174 | 18 | 0.1685553997194951 | 4 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2031303 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 736 | 714 | 755 | 736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Investment | Refinance | Rate and Term | 11.26 | 34.92 | 31366.00 | .00 | .00 | .00 | 31366.00 | Employed |  |  |  | 6.81 |  |  |  | NA | 20413.26 | 10952.74 | Taxes and Insurance | 7.13 | 21048.36 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | 2181.55 | 2181.55 | 619.19 | 2950.74 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 5860.0 | 2 | 43671 | 312 | 14 | 0.37082888651725365 | 5.58 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031287 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 675 | 671 | 694 | 675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Debt Consolidation | 37.04 | 49.65 | 56148.00 | .00 | .00 | .00 | 56148.00 | Employed |  |  |  | 26.34 |  |  |  | NA | 28272.17 | 27875.83 | Taxes and Insurance | 65.32 | 1358496.04 | XXXX | XXXX | 38.12 | 38.12 | 38.12 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | 13459.88 | 13459.88 | 7336.93 | 20796.81 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 1708553.39 | 26207.5 | 2 | 200000 | 308 | 28 | 0.5025043024430393 | 3.08 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2031286 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 715 | 715 | 709 | 735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 14.34 | 48.2 | 13585.55 | .00 | .00 | .00 | 13585.55 | Employed |  |  |  | 5.34 |  |  |  | NA | 7037.9 | 6547.65 | Taxes and Insurance | 6.31 | 12291.23 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | 1413.34 | 1413.34 | 307.16 | 1948.5 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2388.66 | 2 | 34134 | 244 | 13 | 0.3411842105263158 | 5.83 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2031300 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 760 | 760 | 793 | 733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 12658 | Taxes and Insurance | 50.45 | 111013.82 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 1740.5 | 1740.5 | 460.14 | 2200.64 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 315.0 | 6 | 40000 | 193 | 15 | 0.03157593708507813 | 4.08 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031297 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 728 | 698 | 747 | 728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 703 | 707 | 703 | 674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | ME | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 19.57 | 35.19 | 7444.27 | 18310.21 | .00 | .00 | 25754.48 | Employed | Employed |  |  | 15.73 | 20.32 |  |  | 3 YRS | 16691.65 | 9062.83 | Taxes and Insurance | 8.13 | 40973.37 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.125 | 8.125 | 4276.78 | 4276.78 | 762.89 | 5039.67 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 2145.0 | 2 | 30672 | 139 | 13 | 0.2745332211942809 | 23.92 | No | N/A | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2031296 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 711 | 711 | 746 | 687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 704 | 661 | 711 | 704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 10952 | Taxes and Insurance | 17.33 | 31165.26 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8 | 8.0 | 1412.5 | 1412.5 | 385.63 | 1798.13 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 24 | 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 4812.5 | 2 | 156125 | 222 | 30 | 0.40988199957090754 | 5 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031294 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 702 | 694 | 702 | 730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4515 | Taxes and Insurance | 114.87 | 344221.58 | XXXX | XXXX | 74.99 | 74.99 | 74.99 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.999 | 7.999 | 2549.33 | 2549.33 | 278.41 | 2996.74 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 178.03 | 478.06 | 2 | 35000 | 405 | 6 | 0.4288185415488977 | 11.17 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2031292 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 767 | 767 | 776 | 739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 11.06 | 12.32 | 92167.12 | .00 | .00 | .00 | 92167.12 | Employed |  |  |  | 1.78 |  |  |  | NA | 80811.13 | 11355.99 | Taxes and Insurance | 30.08 | 306653.15 | XXXX | XXXX | 85.0 | 85.0 | 85.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | 8320.17 | 8320.17 | 1726.67 | 10194.84 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 6448.13 | 1 | 36474 | 228 | 17 | 0.12837011433129486 | 0.33 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2034727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 780 | 798 | 780 | 760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 7191 | Taxes and Insurance | 200.9 | 280776.09 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 1124.07 | 1124.07 | 273.54 | 1397.61 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 1424.06 | 4 | 29367 | 236 | 9 | 0.097015625 | 22 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2034723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | No | false | XXXX | 708 | 708 | 711 | 702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5087.16 | Taxes and Insurance | 19.27 | 58122.14 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.5 | 8.5 | 2479.75 | 2479.75 | 326 | 3015.75 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 9207.380000000001 | 6 | 34427 | 168 | 8 | 0.3429473010259303 | 10 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2034728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 707 | 699 | 707 | 728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 48174 | Taxes and Insurance | 12.53 | 74588.43 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.5 | 8.5 | 4648.44 | 4648.44 | 1304.79 | 5953.23 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 13125.0 | 16 | 68521 | 397 | 6 | 0.6170747217806042 | 25.00 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2034722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | No | false | XXXX | 666 | 656 | 666 | 687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1071 | Taxes and Insurance | 11.27 | 54977.44 | XXXX | XXXX | 60.0 | 60.0 | 60.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 4414.56 | 4414.56 | 464.24 | 4878.8 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 304.0 | 2520.0 | 2 | 26481 | 42 | 3 | 0.2994545454545455 | 1.58 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2022580 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 686 | 676 | 686 | 737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OR | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3442 | Taxes and Insurance | 61.7 | 193462.19 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.875 | 7.875 | 2537.74 | 2537.74 | 597.99 | 3135.73 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 193462.19 | 1750.0 | 2 | 23500 | 377 | 12 | 0.5565504977876107 | 7.42 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2034724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 803 | 803 | 805 | 798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 20.18 | 32.97 | 19081.77 | .00 | .00 | .00 | 19081.77 | Employed |  |  |  | 9.56 |  |  |  | NA | 12790.12 | 6291.65 | Taxes and Insurance | 7.03 | 22543.6 | XXXX | XXXX | 60.0 | 60.0 | 60.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.25 | 7.25 | 2084.01 | 2726.32 | 939.33 | 3208.34 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | Yes |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2145.0 | 2 | 25000 | 309 | 3 | 0.007162921348314606 | 23.17 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |

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