# EDGAR Filing Document

**Accession Number:** 0002041716
**File Stem:** 0001999371-25-010385
**Filing Date:** 2025-7
**Character Count:** 2139413
**Document Hash:** b7b8c2ef86b561a524778141102a6829
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-010385.hdr.sgml**: 20250731

**ACCESSION NUMBER**: 0001999371-25-010385

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

**PUBLIC DOCUMENT COUNT**: 34

**CONFORMED PERIOD OF REPORT**: 20250731

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

**FILED AS OF DATE**: 20250731

**DATE AS OF CHANGE**: 20250731

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** APF II RESI O4B-24A, LLC
- **CENTRAL INDEX KEY:** 0002041716

**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:** 025-07405
- **FILM NUMBER:** 251171871

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-750-7300

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** APF II RESI O4B-24A, LLC
- **CENTRAL INDEX KEY:** 0002041716

**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:** 245 PARK AVENUE
- **STREET 2:** 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-750-7300

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549<br>FORM ABS-15G<br>ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

------

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

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

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

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

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

Central Index Key Number of depositor: <u>0002041716</u>

HOMES 2025-NQM4 TRUST

------

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

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

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

Thomas C. Griffin III, Authorized Signatory, (212) 710-2184

------

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

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

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

**<u>Exhibits</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;[99.1](ex99-1.htm) | &nbsp;&nbsp;[AMC Diligence, LLC – Executive Summary](ex99-1.htm) |
|  | &nbsp;&nbsp;[Schedule 1 – Rating Agency Grades Report](ex99-1s1.htm) |
|  | &nbsp;&nbsp;[Schedule 2 – Exception Grades Report](ex99-1s2.htm) |
|  | &nbsp;&nbsp;[Schedule 3 – Valuation Summary Report](ex99-1s3.htm) |
|  | &nbsp;&nbsp;[Schedule 4 – Data Compare Report](ex99-1s4.htm) |
| &nbsp;&nbsp;[99.2](ex99-2.htm) | &nbsp;&nbsp;[Canopy Financial Technology Partners, LLC – Narrative](ex99-2.htm) |
|  | &nbsp;&nbsp;[Schedule 1 – Rating Agency Grades Detail Report](ex99-2s1.htm) |
|  | &nbsp;&nbsp;[Schedule 2 – Rating Agency Grades Summary Report](ex99-2s2.htm) |
|  | &nbsp;&nbsp;[Schedule 3 – Valuation Report](ex99-2s3.htm) |
|  | &nbsp;&nbsp;[Schedule 4 – Data Compare Report](ex99-2s4.htm) |
| &nbsp;&nbsp;[99.3](ex99-3.htm) | &nbsp;&nbsp;[Clarifii LLC – Executive Summary](ex99-3.htm) |
|  | &nbsp;&nbsp;[Schedule 1 – Rating Agency Grades Detail Report](ex99-3s1.htm) |
|  | &nbsp;&nbsp;[Schedule 2 – Rating Agency Grades Summary Report](ex99-3s2.htm) |
|  | &nbsp;&nbsp;[Schedule 3 – Data Compare Report](ex99-3s3.htm) |
|  | &nbsp;&nbsp;[Schedule 4 – ATR QM Report](ex99-3s4.htm) |
|  | &nbsp;&nbsp;[Schedule 5 – Valuation Report](ex99-3s5.htm) |
| &nbsp;&nbsp;[99.4](ex99-4.htm) | &nbsp;&nbsp;[Consolidated Analytics, Inc. – Executive Summary](ex99-4.htm) |
|  | &nbsp;&nbsp;[Schedule 1 – Due Diligence Standard](ex99-4s1.htm) |
|  | &nbsp;&nbsp;[Schedule 2 – Valuations Summary Report](ex99-4s2.htm) |
|  | &nbsp;&nbsp;[Schedule 3 – Rating Agency Grades Summary Report](ex99-4s3.htm) |
|  | &nbsp;&nbsp;[Schedule 4 – Data Compare Report](ex99-4s4.htm) |
| &nbsp;&nbsp;[99.5](ex99-5.htm) | &nbsp;&nbsp;[Selene Diligence LLC – Narrative](ex99-5.htm) |
|  | &nbsp;&nbsp;[Schedule 1 – Rating Agency Grades Summary Report](ex99-5s1.htm) |
|  | &nbsp;&nbsp;[Schedule 2 – Standard Findings Report](ex99-5s2.htm) |
|  | &nbsp;&nbsp;[Schedule 3 – Valuation Report](ex99-5s3.htm) |
|  | &nbsp;&nbsp;[Schedule 4 – Supplemental Data Extract](ex99-5s4.htm) |
|  | &nbsp;&nbsp;[Schedule 5 – Data Compare Report](ex99-5s5.htm) |

---

**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.

---

| | | |
|:---|:---|:---|
|  | **APF II RESI O4B-24A, LLC** | **APF II RESI O4B-24A, LLC** |
|  | By: | Ares Alternative Credit Management LLC, its manager |
| Date: July 31, 2025 | By: | /s/ Thomas C. Griffin III |
|  |  | Name: Thomas C. Griffin III<br>Title: Authorized Signatory |

---

**EXHIBIT INDEX**

**<u>Exhibit Number</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;[99.1](ex99-1.htm) | &nbsp;&nbsp;[AMC Diligence, LLC – Executive Summary](ex99-1.htm) |
|  | &nbsp;&nbsp;[Schedule 1 – Rating Agency Grades Report](ex99-1s1.htm) |
|  | &nbsp;&nbsp;[Schedule 2 – Exception Grades Report](ex99-1s2.htm) |
|  | &nbsp;&nbsp;[Schedule 3 – Valuation Summary Report](ex99-1s3.htm) |
|  | &nbsp;&nbsp;[Schedule 4 – Data Compare Report](ex99-1s4.htm) |
| &nbsp;&nbsp;[99.2](ex99-2.htm) | &nbsp;&nbsp;[Canopy Financial Technology Partners, LLC – Narrative](ex99-2.htm) |
|  | &nbsp;&nbsp;[Schedule 1 – Rating Agency Grades Detail Report](ex99-2s1.htm) |
|  | &nbsp;&nbsp;[Schedule 2 – Rating Agency Grades Summary Report](ex99-2s2.htm) |
|  | &nbsp;&nbsp;[Schedule 3 – Valuation Report](ex99-2s3.htm) |
|  | &nbsp;&nbsp;[Schedule 4 – Data Compare Report](ex99-2s4.htm) |
| &nbsp;&nbsp;[99.3](ex99-3.htm) | &nbsp;&nbsp;[Clarifii LLC – Executive Summary](ex99-3.htm) |
|  | &nbsp;&nbsp;[Schedule 1 – Rating Agency Grades Detail Report](ex99-3s1.htm) |
|  | &nbsp;&nbsp;[Schedule 2 – Rating Agency Grades Summary Report](ex99-3s2.htm) |
|  | &nbsp;&nbsp;[Schedule 3 – Data Compare Report](ex99-3s3.htm) |
|  | &nbsp;&nbsp;[Schedule 4 – ATR QM Report](ex99-3s4.htm) |
|  | &nbsp;&nbsp;[Schedule 5 – Valuation Report](ex99-3s5.htm) |
| &nbsp;&nbsp;[99.4](ex99-4.htm) | &nbsp;&nbsp;[Consolidated Analytics, Inc. – Executive Summary](ex99-4.htm) |
|  | &nbsp;&nbsp;[Schedule 1 – Due Diligence Standard](ex99-4s1.htm) |
|  | &nbsp;&nbsp;[Schedule 2 – Valuations Summary Report](ex99-4s2.htm) |
|  | &nbsp;&nbsp;[Schedule 3 – Rating Agency Grades Summary Report](ex99-4s3.htm) |
|  | &nbsp;&nbsp;[Schedule 4 – Data Compare Report](ex99-4s4.htm) |
| &nbsp;&nbsp;[99.5](ex99-5.htm) | &nbsp;&nbsp;[Selene Diligence LLC – Narrative](ex99-5.htm) |
|  | &nbsp;&nbsp;[Schedule 1 – Rating Agency Grades Summary Report](ex99-5s1.htm) |
|  | &nbsp;&nbsp;[Schedule 2 – Standard Findings Report](ex99-5s2.htm) |
|  | &nbsp;&nbsp;[Schedule 3 – Valuation Report](ex99-5s3.htm) |
|  | &nbsp;&nbsp;[Schedule 4 – Supplemental Data Extract](ex99-5s4.htm) |
|  | &nbsp;&nbsp;[Schedule 5 – Data Compare Report](ex99-5s5.htm) |

---

## Exhibit 99.1

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.1**

![](amc-logo.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC" or "SitusAMC") performed the due diligence services described below (the "Review") on residential Loans (as defined in (2) below) originated by multiple correspondent lenders and acquired directly via reliance letter by APF II Resi O4B, LLC, or its affiliates (the "Client") through mortgage loan files reviewed on behalf of such parties or with results conveyed from another party to the Client via reliance letter. The Review, which includes reliance letter Loans the time of an initial review performed for such party, was conducted from January 2024 through April 2025 on Loans with origination dates from December 2021 through April 2025 via files imaged and provided by the Client for review. The Review includes Loans that were reviewed both (i) directly for an affiliate of the Client and (ii) for correspondents with results conveyed to an affiliate of the Client by a reliance letter.

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

The final population of the Review contained two hundred twenty (220) Loans totaling an aggregate original principal balance of approximately $106.500 million (the "Loans").

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), S&P Global Ratings ("S&P").

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Originator Application Date |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;PMI Coverage % |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original Loan Amount |  |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original LTV |  |

---

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.**

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![](amc-logo.jpg)

AMC reviewed mortgage loan origination documentation to determine conformity with 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 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.

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

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

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

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

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

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

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

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

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

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

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![](amc-logo.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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![](amc-logo.jpg)

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

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

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

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

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

---

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

---

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

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

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

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

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**(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;

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

&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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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*<u>Qualified Mortgage</u>*

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

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

---

---

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

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

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

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

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

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

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

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.

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

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

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.

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**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL REVIEW RESULTS SUMMARY**

Of the two hundred twenty (220) Loans reviewed, all two hundred twenty (220) Loans or (100%) received an overall "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Standard and Poor's Loan Grades** | &nbsp;&nbsp;**Standard and Poor's Loan Grades** | &nbsp;&nbsp;**Standard and Poor's Loan Grades** |
| &nbsp;&nbsp; **Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;144 | &nbsp;&nbsp;65.45% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;76 | &nbsp;&nbsp;34.55% |
| &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;**220** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Ninety-five (95) Loans are DSCR loans and will not have a compliance grade. Of the one hundred twenty-five (125) Loans reviewed for compliance, all one hundred twenty-five (125) Loans or (100%) received an "A" or "B" compliance grade.

&nbsp;&nbsp;**Standard and Poor's Compliance Loan Grades**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;79 | &nbsp;&nbsp;63.20% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;46 | &nbsp;&nbsp;36.80% |
| &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;**125** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All two hundred twenty (220) Loans (100%) reviewed received an "A" or "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Standard and Poor's Credit Loan Grades** | &nbsp;&nbsp;**Standard and Poor's Credit Loan Grades** | &nbsp;&nbsp;**Standard and Poor's Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;183 | &nbsp;&nbsp;83.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;37 | &nbsp;&nbsp;16.82% |
| &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;**220** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All two hundred twenty (220) Loans (100%) reviewed under the applicable rating agency criteria, received an "A" or "B" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Standard and Poor's Property Loan Grades** | &nbsp;&nbsp;**Standard and Poor's Property Loan Grades** | &nbsp;&nbsp;**Standard and Poor's Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;217 | &nbsp;&nbsp;98.64% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.36% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**220** | &nbsp;&nbsp;**100.00%** |

---

Page \| 12

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**EXCEPTION CATEGORY SUMMARY** 

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

overall loan grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**S&P Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;36 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***59*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**59** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***41*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**41** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**3** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**103** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred twenty (220) Loans reviewed, one hundred eighty-three (183) unique Loans had a total of four hundred thirty-three (433) different tape discrepancies across twenty-four (24) data fields (some Loans had more than one data delta). The largest variances were found on Investor: Qualifying Total Debt Ratio, Mortgage Type and Subject Debt Service Coverage Ratio, Investor: Qualifying Total Debt Ratio, where the data tape information did not coincide with the documentation type found in the loan file.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;219 | &nbsp;&nbsp;0.46% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;218 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;7 | &nbsp;&nbsp;215 | &nbsp;&nbsp;3.26% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;43 | &nbsp;&nbsp;217 | &nbsp;&nbsp;19.82% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;4 | &nbsp;&nbsp;159 | &nbsp;&nbsp;2.52% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;3 | &nbsp;&nbsp;212 | &nbsp;&nbsp;1.42% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;9 | &nbsp;&nbsp;140 | &nbsp;&nbsp;6.43% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;14 | &nbsp;&nbsp;212 | &nbsp;&nbsp;6.60% | &nbsp;&nbsp;220 |

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;62 | &nbsp;&nbsp;184 | &nbsp;&nbsp;33.70% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;217 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;37 | &nbsp;&nbsp;216 | &nbsp;&nbsp;17.13% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;58 | &nbsp;&nbsp;212 | &nbsp;&nbsp;27.36% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;219 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;11 | &nbsp;&nbsp;212 | &nbsp;&nbsp;5.19% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;8 | &nbsp;&nbsp;220 | &nbsp;&nbsp;3.64% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;12 | &nbsp;&nbsp;220 | &nbsp;&nbsp;5.45% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;11 | &nbsp;&nbsp;218 | &nbsp;&nbsp;5.05% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;217 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Originator Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;PMI Coverage % | &nbsp;&nbsp;2 | &nbsp;&nbsp;67 | &nbsp;&nbsp;2.99% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;36 | &nbsp;&nbsp;220 | &nbsp;&nbsp;16.36% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;220 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;8 | &nbsp;&nbsp;81 | &nbsp;&nbsp;9.88% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;17 | &nbsp;&nbsp;220 | &nbsp;&nbsp;7.73% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;220 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;12 | &nbsp;&nbsp;216 | &nbsp;&nbsp;5.56% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;55 | &nbsp;&nbsp;94 | &nbsp;&nbsp;58.51% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;18 | &nbsp;&nbsp;219 | &nbsp;&nbsp;8.22% | &nbsp;&nbsp;220 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**433** | &nbsp;&nbsp;**5445** | &nbsp;&nbsp;**7.95%** | &nbsp;&nbsp;**220** |

---

**ADDITIONAL 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;214 | &nbsp;&nbsp;97.27% | &nbsp;&nbsp;$101729417.00 | &nbsp;&nbsp;95.52% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.73% | &nbsp;&nbsp;$4770500.00 | &nbsp;&nbsp;4.48% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**220** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$106499917.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;220 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$106499917.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**220** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$106499917.00** | &nbsp;&nbsp;**100.00%** |

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Page \| 14

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;56 | &nbsp;&nbsp;25.45% | &nbsp;&nbsp;$23958285.00 | &nbsp;&nbsp;22.50% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% | &nbsp;&nbsp;$528000.00 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;22 | &nbsp;&nbsp;10.00% | &nbsp;&nbsp;$12180168.00 | &nbsp;&nbsp;11.44% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;113 | &nbsp;&nbsp;51.36% | &nbsp;&nbsp;$57834614.00 | &nbsp;&nbsp;54.30% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;28 | &nbsp;&nbsp;12.73% | &nbsp;&nbsp;$11998850.00 | &nbsp;&nbsp;11.27% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**220** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$106499917.00** | &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;121-180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% | &nbsp;&nbsp;$314400.00 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;218 | &nbsp;&nbsp;99.09% | &nbsp;&nbsp;$104495517.00 | &nbsp;&nbsp;98.12% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% | &nbsp;&nbsp;$1690000.00 | &nbsp;&nbsp;1.59% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**220** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$106499917.00** | &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;112 | &nbsp;&nbsp;50.91% | &nbsp;&nbsp;$54736834.00 | &nbsp;&nbsp;51.40% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.91% | &nbsp;&nbsp;$1652000.00 | &nbsp;&nbsp;1.55% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;12 | &nbsp;&nbsp;5.45% | &nbsp;&nbsp;$6383900.00 | &nbsp;&nbsp;5.99% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.91% | &nbsp;&nbsp;$2440398.00 | &nbsp;&nbsp;2.29% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;61 | &nbsp;&nbsp;27.73% | &nbsp;&nbsp;$27609643.00 | &nbsp;&nbsp;25.92% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% | &nbsp;&nbsp;$1481250.00 | &nbsp;&nbsp;1.39% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.82% | &nbsp;&nbsp;$586900.00 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;17 | &nbsp;&nbsp;7.73% | &nbsp;&nbsp;$7371055.00 | &nbsp;&nbsp;6.92% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.27% | &nbsp;&nbsp;$2826937.00 | &nbsp;&nbsp;2.65% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.82% | &nbsp;&nbsp;$1411000.00 | &nbsp;&nbsp;1.32% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**220** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$106499917.00** | &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;77 | &nbsp;&nbsp;35.00% | &nbsp;&nbsp;$47572439.00 | &nbsp;&nbsp;44.67% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;128 | &nbsp;&nbsp;58.18% | &nbsp;&nbsp;$52826938.00 | &nbsp;&nbsp;49.60% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;15 | &nbsp;&nbsp;6.82% | &nbsp;&nbsp;$6100540.00 | &nbsp;&nbsp;5.73% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**220** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$106499917.00** | &nbsp;&nbsp;**100.00%** |

---

Page \| 15

## Exhibit 99.1

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.1 - Schedule 1**

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 7/30/2025 12:55:00 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** | **LOANID_RMS** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| [Redacted} | 1000509 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1025655 |  |  | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| [Redacted} | 1025693 |  |  | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| [Redacted} | 1025727 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1025792 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1117010 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| [Redacted} | 1094785 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121176 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121184 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| [Redacted} | 1121225 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121274 |  |  | XXXX | XXXX D |  | A | D | A |  | A | A |  |
| [Redacted} | 1121217 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121206 |  |  | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| [Redacted} | 1121270 |  |  | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| [Redacted} | 1121215 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121342 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121290 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| [Redacted} | 1121403 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121360 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121246 |  |  | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| [Redacted} | 1121292 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121287 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121313 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121288 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| [Redacted} | 1121331 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121355 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| [Redacted} | 1121269 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| [Redacted} | 1121344 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121413 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121386 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121291 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| [Redacted} | 1121307 |  |  | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| [Redacted} | 1121366 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121320 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121327 |  |  | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| [Redacted} | 1121389 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121353 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121468 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121296 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121396 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121384 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121350 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121260 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121443 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121422 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121347 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| [Redacted} | 1121407 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| [Redacted} | 1121329 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| [Redacted} | 1121410 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121485 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121450 |  |  | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| [Redacted} | 1121451 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| [Redacted} | 1121519 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121365 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121391 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121372 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121515 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| [Redacted} | 1121421 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| [Redacted} | 1121490 |  |  | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| [Redacted} | 1121418 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121330 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121319 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| [Redacted} | 1121423 |  |  | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| [Redacted} | 1121352 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121310 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121314 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121496 |  |  | XXXX | XXXX D |  | A | D | A |  | A | A |  |
| [Redacted} | 1121177 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121446 |  |  | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| [Redacted} | 1121415 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| [Redacted} | 1121558 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121572 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| [Redacted} | 1121582 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121489 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| [Redacted} | 1121580 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121527 |  |  | XXXX | XXXX D |  | A | D | B |  | A | B |  |
| [Redacted} | 1121416 |  |  | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| [Redacted} | 1121570 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121412 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121449 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121526 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121517 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121529 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121571 |  |  | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| [Redacted} | 1121586 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121394 |  |  | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| [Redacted} | 1121583 |  |  | XXXX | XXXX D |  | A | D | A |  | A | A |  |
| [Redacted} | 1121368 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121520 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121488 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121579 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121585 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| [Redacted} | 1121584 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121534 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121491 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| [Redacted} | 1121587 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121545 |  |  | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| [Redacted} | 1121308 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121411 |  |  | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| [Redacted} | 1121379 |  |  | XXXX | XXXX C | B | B | C | B | B | B | B |  |
| [Redacted} | 1121393 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121494 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121369 |  |  | XXXX | XXXX B | B | A | B | B | B | A | B |  |
| [Redacted} | 1121453 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121387 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121388 |  |  | XXXX | XXXX C | A | B | C | B | A | B | B |  |
| [Redacted} | 1121399 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121380 |  |  | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| [Redacted} | 1121382 |  |  | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| [Redacted} | 1121481 |  |  | XXXX | XXXX D | A | D | D | A | B | A | B |  |
| [Redacted} | 1121404 |  |  | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| [Redacted} | 1121417 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121495 |  |  | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| [Redacted} | 1121408 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121530 |  |  | XXXX | XXXX C | B | A | C | A | B | A | B |  |
| [Redacted} | 1121555 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121588 |  |  | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| [Redacted} | 1121185 |  |  | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| [Redacted} | 1121188 |  |  | XXXX | XXXX A | C | D B C | D C | A | B | B | B |  |
| [Redacted} | 1121261 |  |  | XXXX | XXXX C | B | A | C | A | B | A | B |  |
| [Redacted} | 1121252 |  |  | XXXX | XXXX D | A | A | D | A | A | A | A |  |
| [Redacted} | 1121259 |  |  | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| [Redacted} | 1121220 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121250 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121245 |  |  | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| [Redacted} | 1121306 |  |  | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| [Redacted} | 1121258 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121277 |  |  | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| [Redacted} | 1121235 |  |  | XXXX | XXXX A | B | A | B | A | A | A | A |  |
| [Redacted} | 1121263 |  |  | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| [Redacted} | 1121309 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121312 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121249 |  |  | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| [Redacted} | 1121262 |  |  | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| [Redacted} | 1121317 |  |  | XXXX | XXXX B | B | A | B | B | B | A | B |  |
| [Redacted} | 1121251 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121275 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121305 |  |  | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| [Redacted} | 1121367 |  |  | XXXX | XXXX C | B | A | C | A | B | A | B |  |
| [Redacted} | 1121371 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121357 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121364 |  |  | XXXX | XXXX B | C | A | C | B | A | A | B |  |
| [Redacted} | 1121343 |  |  | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| [Redacted} | 1121286 |  |  | XXXX | XXXX C | B | A | C | A | B | A | B |  |
| [Redacted} | 1121447 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121409 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121448 |  |  | XXXX | XXXX C | B | A | C | A | B | A | B |  |
| [Redacted} | 1121326 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121332 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121316 |  |  | XXXX | XXXX C | C | A | C | B | B | A | B |  |
| [Redacted} | 1121293 |  |  | XXXX | XXXX C | C | A | C | A | A | A | A |  |
| [Redacted} | 1121469 |  |  | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| [Redacted} | 1121284 |  |  | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| [Redacted} | 1121374 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121268 |  |  | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| [Redacted} | 1121295 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121247 |  |  | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| [Redacted} | 1121419 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121311 |  |  | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| [Redacted} | 1121356 |  |  | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| [Redacted} | 1121328 |  |  | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| [Redacted} | 1121492 |  |  | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| [Redacted} | 1121373 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121294 |  |  | XXXX | XXXX C | B | A | C | A | B | A | B |  |
| [Redacted} | 1121392 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121325 |  |  | XXXX | XXXX B | C | A | C | B | B | A | B |  |
| [Redacted} | 1121283 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121354 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121358 |  |  | XXXX | XXXX D | A | A | D | A | A | A | A |  |
| [Redacted} | 1121244 |  |  | XXXX | XXXX B | C | A | C | B | A | A | B |  |
| [Redacted} | 1121467 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121323 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121402 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121346 |  |  | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| [Redacted} | 1121285 |  |  | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| [Redacted} | 1121289 |  |  | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| [Redacted} | 1121383 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121377 |  |  | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| [Redacted} | 1121297 |  |  | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| [Redacted} | 1121518 |  |  | XXXX | XXXX C | B | A | C | A | B | A | B |  |
| [Redacted} | 1121376 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121400 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121276 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121385 |  |  | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| [Redacted} | 1121397 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121351 |  |  | XXXX | XXXX C | B | A | C | A | B | A | B |  |
| [Redacted} | 1121525 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121390 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121420 |  |  | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| [Redacted} | 1121528 |  |  | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| [Redacted} | 1121414 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121516 |  |  | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| [Redacted} | 1121452 |  |  | XXXX | XXXX C | C | A | C | B | B | A | B |  |
| [Redacted} | 1121569 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121521 |  |  | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| [Redacted} | 1121544 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121405 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121581 |  |  | XXXX | XXXX C | C | A | C | A | A | A | A |  |
| [Redacted} | 1121441 |  |  | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| [Redacted} | 1121523 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121444 |  |  | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| [Redacted} | 1121532 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121543 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121531 |  |  | XXXX | XXXX C | C | A | C | A | A | A | A |  |
| [Redacted} | 1121480 |  |  | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| [Redacted} | 1121540 |  |  | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| [Redacted} | 1121445 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121524 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121482 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121513 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121522 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121556 |  |  | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| [Redacted} | 1121398 |  |  | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| [Redacted} | 1121401 |  |  | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| [Redacted} | 1121484 |  |  | XXXX | XXXX B | B | A | B | B | B | A | B |  |
| [Redacted} | 1121406 |  |  | XXXX | XXXX A | A | C | C | A | A | A | A |  |
| [Redacted} | 1121533 |  |  | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| [Redacted} | 1121164 |  |  | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| [Redacted} | 1121178 |  |  | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| [Redacted} | 1115876 |  |  | XXXX | XXXX C |  | A | C | A |  | A | A |  |

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## Exhibit 99.1

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.1 - Schedule 2**

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| |
|:---|
| **Exception Grades** |
| **Run Date - 7/30/2025 12:55:00 PM** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Loan ID_RMS** | **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** |
| [Redacted] | 1025655 | [Redacted] |  | 33364805 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | XXXX | All outstanding judgments and/or liens must be paid off prior to or at loan closing. Provide verification that all judgments are paid and released. Comments on the fraud report indicate an exception was received to leave these items open; however, approved exception not provided in loan file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The qualifying [redacted] on the loan is greater than the guideline minimum. | Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]%<br>The [redacted] of [redacted] is greater than the minimum required [redacted] of [redacted] | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2024-12-16): Waived with compensating factors per lender exception approval received in trailing documents.<br>Buyer Comment (2024-12-12): exception |  |  | 12/16/2024 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redacted] | 1025693 | [Redacted] |  | 33364807 |  | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | Alternative credit requires ([redacted]) open tradelines reporting for [redacted] months with activity in the most recent [redacted] months. Only [redacted] was provided. Provide additional alternative trade line meeting guideline requirments. Additional conditions may apply.<br> Lender exception approving the use of a Foreign Credit report for verification of credit references/tradelines. Compensating factors provided are [redacted] months of additional reserves from borrowers own funds, no late payments on foreign credit in past [redacted] months and CDA supports appraisal with no variance. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC | Reviewer Comment (2025-01-07): Alternative credit requires ([redacted]) open tradelines reporting for [redacted] months with activity in the most recent [redacted] months. Only [redacted] was provided. Provide additional alternative trade line meeting guideline requirments. Additional conditions may apply. Lender exception approving the use of a Foreign Credit report for verification of credit references/tradelines. Compensating factors provided are [redacted] months of additional reserves from borrowers own funds, no late payments on foreign credit in past [redacted] months and CDA supports appraisal with no variance.<br>Buyer Comment (2025-01-03): exception |  |  | 01/07/2025 | 2 C B |  | TX | Investment | Purchase | C B A |  | N/A | No |
| [Redacted] | 1025792 | [Redacted] |  | 33364815 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure is provided. |  |  |  | Reviewer Comment (2024-12-30): Sufficient Cure Provided At Closing |  | 12/30/2024 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1117010 | [Redacted] |  | 33616246 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. by $[redacted] |  |  |  | Reviewer Comment (2025-04-16): Hazard insurance policy provided with initial package has full replacement cost checked with building coverage of $[redacted]& Improvement coverage of $[redacted]. Exception cleared.<br>Buyer Comment (2025-04-15): Has policy Coverage for over $[redacted] and RCE coverage with RCE estimate at $[redacted] | 04/16/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 1121184 | [Redacted] |  | 33808612 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | File is missing a copy of fraud report. |  |  |  | Reviewer Comment (2025-01-21): Received, Clearing.<br>Seller Comment (2025-01-21): Comment from [redacted] ([redacted]): Fraud Report | 01/21/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 1121184 | [Redacted] |  | 33808615 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than [redacted] days prior to the note date. | XXXX | Credit report is dated [redacted], note date is [redacted] |  |  |  | Reviewer Comment (2025-01-24): Received Lender Exception Form confirming Exception Approved, Hence Exception Cleared.<br>Seller Comment (2025-01-23): Comment from [redacted] ([redacted]): Exception approved | 01/24/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 1121274 | [Redacted] |  | 33808618 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | The guarantor agreement in the loan file is incomplete, provide agreement which is completely filled out. |  |  |  | Reviewer Comment (2025-02-12): Provided. Cleared.<br>Seller Comment (2025-02-12): Comment from[redacted] ([redacted].): Personal Guaranty Agreement | 02/12/2025 |  |  | 1 D A |  | AR | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redacted] | 1121274 | [Redacted] |  | 33808619 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating agreement is missing. |  |  |  | Reviewer Comment (2025-02-12): Provided. Cleared.<br>Seller Comment (2025-02-12): Comment from [redacted] ([redacted]): Bylaws | 02/12/2025 |  |  | 1 C A |  | AR | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redacted] | 1121274 | [Redacted] |  | 33808620 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate resolution missing. |  |  |  | Reviewer Comment (2025-02-12): Provided. Cleared.<br>Seller Comment (2025-02-12): Comment from [redacted] ([redacted].): resolution | 02/12/2025 |  |  | 1 C A |  | AR | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redacted] | 1121206 | [Redacted] |  | 33808622 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception provided for seller not on Title for a minimum of [redacted] days as required by guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-14): Client elects to waive/regrade with compensating factors. |  |  | 02/14/2025 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
| [Redacted] | 1121270 | [Redacted] |  | 33808623 |  | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided |  |  |  |  |  | Reviewer Comment (2025-03-01): Clearing.<br>Buyer Comment (2025-02-28): Comment from [redacted] ([redacted]): Is this an [redacted] overlay that requires the Legal Description to be a separate [redacted]?<br> That area is spaced to specifically to include the legal description. Alternatively, it is common to see "Please see attached Exhibit [REDACTED]" in which, it will be a separate [redacted].<br>Reviewer Comment (2025-02-28): Legal Description to be provided on a separate [redacted]. Exception remains.<br>Buyer Comment (2025-02-28): Comment from[redacted]([redacted]): Legal description is included within the body of the Deed of Trust on page [redacted] [Investor Package page [redacted]] | 03/01/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C B A |  | N/A | No |
| [Redacted] | 1121270 | [Redacted] |  | 33808625 |  | Credit | Credit | Transaction Error | Credit | Transaction Error: Total Cash-out on a purchase transaction. | Borrower is receiving total cash-out of XXXX on a purchase transaction. |  | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-10): Client elected to waive/regrade with compensating factors. Lender exception provided.<br>Seller Comment (2025-04-10): Comment from [redacted] ([redacted]): exception approved<br>Reviewer Comment (2025-04-09): Exceptions should be submitted through the buyers portal.<br>Buyer Comment (2025-04-08): Comment from [redacted] [redacted]): Per [redacted], submitting an exception to borrower receiving cash-out on purchase transaction. Since this is a cash difference from the Donor's Gift, would [redacted] accept an updated gift letter and refund to the gift donor?<br>Reviewer Comment (2025-03-05): Please request Exception from the Buyer of the loan. Exception remains.<br>Buyer Comment (2025-03-05): Comment from [redacted] ([redacted]): Has an exception been requested already or would us, the seller need to request one from our [redacted]?<br>Reviewer Comment (2025-03-04): An exception from the buyer of the loan would be needed based on post close.<br>Buyer Comment (2025-03-03): Comment from [redacted]([redacted]): Since this is a cash difference from the Donor's Gift, would [redacted] accept an updated gift letter and refund to the donor? |  |  | 04/10/2025 | 2 C B |  | TX | Investment | Purchase | C B A |  | N/A | No |
| [Redacted] | 1121290 | [Redacted] |  | 33808630 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | XXXX | Calculated reserves of [redacted] is less than guidelines PITIA months reserves of [redacted] months. |  |  |  | Reviewer Comment (2025-03-03): Cleared- paid appraisal invoice was received<br>Seller Comment (2025-03-03): Comment from [redacted] ([redacted]: This was provided right after the contract in the package uploaded. Please see it again attached.<br>Reviewer Comment (2025-03-01): Missing POC appraisal invoice.<br>Buyer Comment (2025-02-28): Comment from [redacted]([redacted]): can you please provide your breakdown? | 03/03/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 1121290 | [Redacted] |  | 33808631 |  | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided |  | Missing evidence of receipt of gift funds in the amount of $[redacted]. |  |  |  | Reviewer Comment (2025-03-01): Received, Clearing.<br>Seller Comment (2025-02-28): Comment from [redacted] ([redacted]): Please see attached | 03/01/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 1121246 | [Redacted] |  | 33808647 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the [redacted] in file. | The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2025-03-05): Accepted as is. |  |  | 03/05/2025 | 2 B |  | SC | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redacted] | 1121292 | [Redacted] |  | 33808651 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Credit Report: Original // Public Record Type: Judgments / Balance: [redacted] |  |  |  | Reviewer Comment (2025-03-06): Received, Clearing.<br>Seller Comment (2025-03-06): Comment from [redacted]([redacted]): Please see attached - the case was dismissed | 03/06/2025 |  |  | 1 A |  | SC | Investment | Purchase | A |  | N/A | No |
| [Redacted] | 1121288 | [Redacted] |  | 33808654 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Please Provide borrower's Copy of Verification of Identification. |  |  |  | Reviewer Comment (2025-03-06): Received, cleared<br>Seller Comment (2025-03-06): Comment from [redacted](Guaranteed Rate): Borr Pat Act | 03/06/2025 |  |  | 1 C A |  | MN | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 1121288 | [Redacted] |  | 33808655 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent loss insurance for the subject property is required and must equal at least [redacted] ([redacted]) months of local average monthly rents. |  |  |  | Reviewer Comment (2025-03-06): Received, cleared<br>Seller Comment (2025-03-06): Comment from [redacted] (Guaranteed Rate): Subject Insurance | 03/06/2025 |  |  | 1 C A |  | MN | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 1121355 | [Redacted] |  | 33808662 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided |  | Missing occupancy cert. |  |  |  | Reviewer Comment (2025-03-10): Received, Clearing.<br>Seller Comment (2025-03-10): Comment from [redacted] ([redacted]): business & Occupancy affidavit<br>Reviewer Comment (2025-03-07): Reopen<br>Reviewer Comment (2025-03-07): Not required | 03/10/2025 |  |  | 1 C A |  | IN | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 1121355 | [Redacted] |  | 33808663 |  | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Check not provided |  | Missing gift donor check for $[redacted]. |  |  |  | Reviewer Comment (2025-03-10): Received wire confirmation of $[redacted] gift<br>Seller Comment (2025-03-10): Comment from [redacted] ([redacted]): Gift Wire uploaded misc docs | 03/10/2025 |  |  | 1 C A |  | IN | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 1121269 | [Redacted] |  | 33808665 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing certificate of good standing dated within [redacted] days of closing |  |  |  | Reviewer Comment (2025-03-07): Received, Clearing.<br>Seller Comment (2025-03-07): Comment from [redacted] ([redacted]): See attached | 03/07/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redacted] | 1121291 | [Redacted] |  | 33808672 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider -[redacted] not provided |  | Rider is in the file, but it is not fully executed by the borrower. |  |  |  | Reviewer Comment (2025-03-10): Received, cleared<br>Seller Comment (2025-03-10): Comment from [redacted] [redacted]): [redacted]: Please see attached | 03/10/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 1121291 | [Redacted] |  | 33808673 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [redacted] not provided |  | Rider is in the file, but it is not fully executed by the borrower. |  |  |  | Reviewer Comment (2025-03-10): Received, cleared<br>Seller Comment (2025-03-10): Comment from [redacted] ([redacted]): [redacted]: Please see attached | 03/10/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 1121307 | [Redacted] |  | 33808676 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-03-10): Accepted as is. |  |  | 03/10/2025 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
| [Redacted] | 1121327 | [Redacted] |  | 33808688 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the [redacted] in file. | The title Commitment policy amount is $[redacted], this is less then the loan amount of $[redacted], please provided a title supplement, updated title commitment or final title with the policy amount updated. |  |  |  | Reviewer Comment (2025-03-11): Accepted as is. |  |  | 03/11/2025 | 2 B |  | WI | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redacted] | 1121347 | [Redacted] |  | 33808707 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | XXXX |  |  |  |  | Reviewer Comment (2025-03-19): As per [Redacted] - [redacted] Plus [redacted] Guidelines, Maximum LTV/CLTV is [redacted]% for [redacted] >=[redacted]and FICO [redacted], Rate/Term ([redacted]t) [redacted]and property not in Declining market [redacted]% deduction is not required. Exception cleared..<br>Seller Comment (2025-03-19): Comment from[redacted] ([redacted]): The max allowed for this program is [redacted]%, this is a no cash out loan, [redacted] fico, [redacted] ratio, $[redacted] loan amount. Here is the matrix with the highlighted section. Are you by chance still going off our old guidelines? | 03/19/2025 |  |  | 1 C A |  | MT | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redacted] | 1121347 | [Redacted] |  | 33808708 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | XXXX |  |  |  |  | Reviewer Comment (2025-03-19): As per [Redacted] - [redacted] Plus[redacted] Guidelines, Maximum LTV/CLTV is [redacted]% for [redacted] >= [redacted] and FICO [redacted], Rate/Term ([redacted]) [redacted] and property not in Declining market [redacted]% deduction is not required. Exception cleared.<br>Seller Comment (2025-03-19): Comment from [redacted] ([redacted]): The max allowed for this program is [redacted]%, this is a no cash out loan, [redacted] fico, [redacted] ratio, $[redacted],[redacted] loan amount. Here is the matrix with the highlighted section. Are you by chance still going off our old guidelines? | 03/19/2025 |  |  | 1 C A |  | MT | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redacted] | 1121407 | [Redacted] |  | 33808711 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | The File was missing a copy of Guarantor Application |  |  |  | Reviewer Comment (2025-03-18): Received, Clearing.<br>Seller Comment (2025-03-18): Comment from [redacted] ([redacted]): Loan application attached | 03/18/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redacted] | 1121329 | [Redacted] |  | 33808712 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-03-17): Received Business Purpose Certificate. Exception cleared.<br>Seller Comment (2025-03-17): Comment from [redacted] ([redacted]): uploaded in misc | 03/17/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redacted] | 1121329 | [Redacted] |  | 33808713 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-03-17): Received Occupancy Certificate. Exception cleared.<br>Seller Comment (2025-03-17): Comment from [redacted] ([redacted]): uploaded in misc | 03/17/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redacted] | 1121450 | [Redacted] |  | 33808718 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is not provided. |  |  |  | Reviewer Comment (2025-03-18): Accepted as is. |  |  | 03/18/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redacted] | 1121450 | [Redacted] |  | 33808719 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | XXXX | The property was listed for sale on [redacted] and was removed from [redacted] on [redacted], per the appraisal. The guidelines indicate that for a rate and term loan with a property having been listed in the last [redacted] months will be considered on a case-by-case basis and will require an investor exception approval, which was not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-24): Client elects to waive with comp factors<br>Seller Comment (2025-03-21): Comment from [redacted] ([redacted].): Please see attached. |  |  | 03/24/2025 | 2 C B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redacted] | 1121451 | [Redacted] |  | 33808720 |  | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | The file was missing a copy of Trust Agreement (Asset). |  |  |  | Reviewer Comment (2025-03-19): Received, Clearing. | 03/19/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 1121515 | [Redacted] |  | 33808727 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | XXXX |  |  |  |  | Reviewer Comment (2025-03-19): Assets received<br>Seller Comment (2025-03-19): Comment from [redacted] ([redacted]): Please see attached [redacted] months of statements for [redacted] Acct x[redacted]. This account has ample cushion for the [redacted] months' reserve requirement with an applicable balance of $[redacted] ([redacted]% haircut per guidelines) and the [redacted] months required reserves at $[redacted]. | 03/19/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redacted] | 1121515 | [Redacted] |  | 33808728 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Application not provided for Guarantor. |  |  |  | Reviewer Comment (2025-03-20): Received, Clearing.<br>Seller Comment (2025-03-20): Comment from [redacted] ([redacted]): Please see attached final loan application | 03/20/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redacted] | 1121421 | [Redacted] |  | 33808729 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | Evidence of title is missing. |  |  |  | Reviewer Comment (2025-03-24): Received Title Commitment. Exception cleared.<br>Seller Comment (2025-03-21): Comment from [redacted] ([redacted]): Commitment attached | 03/24/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redacted] | 1121421 | [Redacted] |  | 33808730 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2025-03-24): Received Title Commitment. Exception cleared.<br>Seller Comment (2025-03-21): Comment from [redacted] ([redacted]): Commitment attached | 03/24/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redacted] | 1121490 | [Redacted] |  | 33808733 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  |  |  | Reviewer Comment (2025-03-21): Title received<br>Seller Comment (2025-03-21): Comment from [redacted] ([redacted]): Title commitment attached | 03/21/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redacted] | 1121490 | [Redacted] |  | 33808734 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-03-21): Title received<br>Seller Comment (2025-03-21): Comment from [redacted] ([redacted]): Title commitment attached | 03/21/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redacted] | 1121490 | [Redacted] |  | 33808735 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the [redacted] in file. |  |  |  |  | Reviewer Comment (2025-03-21): Client elects to waive |  |  | 03/21/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redacted] | 1121319 | [Redacted] |  | 33808739 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The initial rate lock is missing. |  |  |  | Reviewer Comment (2025-03-24): Provided. Cleared.<br>Seller Comment (2025-03-24): Comment from [redacted] ([redacted]): Please see attached rate lock confirmation | 03/24/2025 |  |  | 1 C A |  | UT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redacted] | 1121423 | [Redacted] |  | 33808741 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is not Provided. |  |  |  | Reviewer Comment (2025-03-24): Accepted as is per client. |  |  | 03/24/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redacted] | 1121496 | [Redacted] |  | 33808749 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-04-07): Received, Clearing.<br>Seller Comment (2025-04-07): Comment from [redacted] ([redacted]): guaranty agreement | 04/07/2025 |  |  | 1 D A |  | NY | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redacted] | 1121496 | [Redacted] |  | 33808750 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide fully executed consolidated note. |  |  |  | Reviewer Comment (2025-04-07): Received, Clearing.<br>Seller Comment (2025-04-07): Comment from [redacted] ([redacted]): consolidated note | 04/07/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redacted] | 1121496 | [Redacted] |  | 33808751 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide fully executed consolidated mortgage. |  |  |  | Reviewer Comment (2025-04-07): Received, Clearing.<br>Seller Comment (2025-04-07): Comment from[redacted] ([redacted]): consolidated mortgage | 04/07/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redacted] | 1121446 | [Redacted] |  | 33808755 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the [redacted] in file. |  |  |  |  | Reviewer Comment (2025-04-04): Accepted as is. |  |  | 04/04/2025 | 2 B |  | NV | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redacted] | 1121446 | [Redacted] |  | 33808757 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The total coverage of $[redacted] is less than the required amount of $[redacted] leaving a shortage of $[redacted]. |  |  |  | Reviewer Comment (2025-04-07): Received, Clearing.<br>Seller Comment (2025-04-07): Comment from [redacted] ([redacted]): Uploaded email | 04/07/2025 |  |  | 1 C A |  | NV | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redacted] | 1121446 | [Redacted] |  | 33808758 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Collection of $[redacted]unpaid as well as [redacted]k. |  |  |  | Reviewer Comment (2025-04-07): Received, Clearing.<br>Seller Comment (2025-04-07): Comment from [redacted] ([redacted]): uploaded email conversation of Collection Conditions. | 04/07/2025 |  |  | 1 A |  | NV | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redacted] | 1121415 | [Redacted] |  | 33808760 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | XXXX | No assets found in this file, Available for Closing is insufficient to cover Cash From Borrower |  |  |  | Reviewer Comment (2025-04-07): Received Additional bank statements included in assets. Available for Closing is sufficient to cover Cash From Borrower. Exception cleared.<br>Seller Comment (2025-04-07): Comment from [redacted] ([redacted]): Please see attached for condition review. | 04/07/2025 |  |  | 1 C A |  | RI | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 1121415 | [Redacted] |  | 33808761 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | XXXX | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted] |  |  |  | Reviewer Comment (2025-04-07): Received additional bank statements included in assets. Available for reserves is sufficient to meet guideline reserves requirement. Exception cleared.<br>Buyer Comment (2025-04-07): Comment from [redacted] ([redacted]: Provided asset documentation for review with previous suspense item. | 04/07/2025 |  |  | 1 C A |  | RI | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 1121572 | [Redacted] |  | 33808764 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | XXXX | Approval states sale of [redacted] REO to cover reserves. Proof of sale not provided. |  |  |  | Reviewer Comment (2025-04-08): Final CD provided. Cleared<br>Seller Comment (2025-04-08): Comment from [redacted] ([redacted]): [redacted] : The borrower did not sale this property. The borrower did a refinance and is using the refi proceeds towards this loan. Please see attached CD. | 04/08/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 1121572 | [Redacted] |  | 33808765 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement provided was not executed. |  |  |  | Reviewer Comment (2025-04-08): After further review, exception has been cleared.<br>Seller Comment (2025-04-08): Comment from [redacted] ([redacted]): [redacted]; Please see copy of the operating agreement. There are [redacted] pages labeled [redacted] of [redacted] please see that [redacted]document that is executed. | 04/08/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 1121489 | [Redacted] |  | 33808770 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | The file was missing a copy of Employer Identification Number (EIN) |  |  |  | Reviewer Comment (2025-04-07): Received, Clearing.<br>Seller Comment (2025-04-07): Comment from [redacted]([redacted]): EIN for [redacted]<br>Reviewer Comment (2025-04-07): We need the EIN for [redacted].<br>Seller Comment (2025-04-07): Comment from [redacted] ([redacted]: memo | 04/07/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redacted] | 1121489 | [Redacted] |  | 33808771 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | Since using as Short Tern Rental we need Vacation Rental Statements from the rental company. |  |  |  | Reviewer Comment (2025-04-14): Received, Clearing.<br>Seller Comment (2025-04-11): Comment from [redacted] ([redacted]): memo on STR<br>Reviewer Comment (2025-04-07): Since renting as short-term rental we need vacation rental statements from the rental company.<br>Seller Comment (2025-04-07): Comment from [redacted] ([redacted]): memo | 04/14/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redacted] | 1121527 | [Redacted] |  | 33808773 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | File did not contain an estimated cost to replace from insurer. Calculations are based on[redacted]% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $[redacted]. |  |  |  | Reviewer Comment (2025-04-08): Received Replacement Cost Estimator. Exception cleared.<br>Seller Comment (2025-04-08): Comment from Purchase Clearing ([redacted]): Replacement Cost Estimate and Evidence Of Insurance. | 04/08/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redacted] | 1121527 | [Redacted] |  | 33808775 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Policy amount not provided in Title preliminary document. |  |  |  | Reviewer Comment (2025-04-08): Accepted as is. |  |  | 04/08/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redacted] | 1121527 | [Redacted] |  | 33808776 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement provided was not executed. |  |  |  | Reviewer Comment (2025-04-09): Received Guarantor Agreement. Exception cleared.<br>Seller Comment (2025-04-08): Comment from Purchase Clearing ([redacted]: Personal Guaranty Agreement. | 04/09/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redacted] | 1121416 | [Redacted] |  | 33808778 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-04-09): Received Occupancy Certificate. Exception cleared.<br>Seller Comment (2025-04-08): Comment from [redacted]([redacted]: OCCUPANCY | 04/09/2025 |  |  | 1 C A |  | IN | Investment | Purchase | C B A |  | N/A | No |
| [Redacted] | 1121416 | [Redacted] |  | 33808779 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [redacted] Family not provided |  | Page [redacted] of [redacted]Family rider is missing. |  |  |  | Reviewer Comment (2025-04-09): Received Rider - [redacted]. Exception cleared.<br>Seller Comment (2025-04-08): Comment from [redacted] ([redacted]): [redacted] | 04/09/2025 |  |  | 1 C A |  | IN | Investment | Purchase | C B A |  | N/A | No |
| [Redacted] | 1121416 | [Redacted] |  | 33808781 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide all pages of the [redacted] exception form, that is conditionally approved. The form provided is incomplete and and cut off. |  |  |  | Reviewer Comment (2025-04-15): Complete client exception form received<br>Reviewer Comment (2025-04-15): Reopened<br>Reviewer Comment (2025-04-14): Client exception received.<br>Seller Comment (2025-04-14): Comment from [redacted]([redacted]): approval<br>Reviewer Comment (2025-04-09): Exception that was provided was blank, we need the complete [redacted] page exception form not pieces of emails.<br>Seller Comment (2025-04-08): Comment from [redacted] ([redacted]): EXCEPTION | 04/15/2025 |  |  | 1 C A |  | IN | Investment | Purchase | C B A |  | N/A | No |
| [Redacted] | 1121416 | [Redacted] |  | 33808782 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Taxes calculated using assessed value of $[redacted] at [redacted]percent $[redacted] per month. Comp factors FICO [redacted] months reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-08): Client elects to waive/regrade with compensating factors. |  |  | 04/08/2025 | 2 B |  | IN | Investment | Purchase | C B A |  | N/A | No |
| [Redacted] | 1121571 | [Redacted] |  | 33808796 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the [redacted] in file. | The Title Policy Amount of $[redacted]is less than the note amount of $[redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2025-04-09): Accepted as is. |  |  | 04/09/2025 | 2 B |  | TX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redacted] | 1121394 | [Redacted] |  | 33808799 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Policy amount not provided in Title Preliminary document. |  |  |  | Reviewer Comment (2025-04-09): Accepted as is. |  |  | 04/09/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redacted] | 1121394 | [Redacted] |  | 33808800 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Private VOM in order to document the mortgage history on the subject property, | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |  | SitusAMC | Reviewer Comment (2025-04-09): Client elects to waive/regrade with compensating factors. |  |  | 04/09/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redacted] | 1121583 | [Redacted] |  | 33808802 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of [redacted] is less than Cash From Borrower [redacted]. |  |  |  | Reviewer Comment (2025-04-10): Received recent bank statement with sufficient balance included in assets. Available for Closing is sufficient to cover Cash From Borrower. Exception cleared.<br>Seller Comment (2025-04-10): Comment from [redacted] ([redacted]): [redacted]transaction history attached for account [redacted] showing balance as of [redacted]. Transaction history ties to the bank statements by lining up all transactions from the month of [redacted] (ending balance [redacted]). | 04/10/2025 |  |  | 1 C A |  | NC | Investment | Purchase | D A |  | N/A | No |
| [Redacted] | 1121583 | [Redacted] |  | 33808803 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase Agreement /Sales Contract not provided |  |  |  | Reviewer Comment (2025-04-10): Received Purchase Agreement / Sales Contract. Exception cleared.<br>Seller Comment (2025-04-10): Comment from [redacted] ([redacted]): Original AOS and [redacted]nd AOS attached (double close transaction) | 04/10/2025 |  |  | 1 D A |  | NC | Investment | Purchase | D A |  | N/A | No |
| [Redacted] | 1121583 | [Redacted] |  | 33808804 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing source of EMD totaling [redacted]. |  |  |  | Reviewer Comment (2025-04-10): Received recent bank statement with sufficient balance included in assets. Available for reserves is sufficient to meet guideline reserves requirement. Exception cleared.<br>Seller Comment (2025-04-10): Comment from [redacted]: [redacted] transaction history attached for account [redacted] showing balance as of [redacted]. Transaction history ties to the bank statements by lining up all transactions from the month of [redacted] (ending balance [redacted]). | 04/10/2025 |  |  | 1 C A |  | NC | Investment | Purchase | D A |  | N/A | No |
| [Redacted] | 1121585 | [Redacted] |  | 33808812 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Document Missing In File, Please Provide Document. |  |  |  | Reviewer Comment (2025-04-14): Received Hazard Insurance Policy . Exception cleared.<br>Seller Comment (2025-04-11): Comment from [redacted] Please see insurance attached. | 04/14/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redacted] | 1121491 | [Redacted] |  | 33808815 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date XXXX, Disbursement Date: XXXX |  |  |  |  | Reviewer Comment (2025-04-14): Disbursement date updated per Closing doc. Cleared.<br>Seller Comment (2025-04-14): Comment from [redacted]: Please see final settlement statement file actual disbursed on [redacted] | 04/14/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 1121308 | [Redacted] |  | 33808829 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-03-05): Accepted as is. |  |  | 03/05/2025 | 2 B |  | MD | Investment | Purchase | B A |  | N/A | No |
| [Redacted] | 1121411 | [Redacted] |  | 33808830 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing Verification of Rent for borrower's primary residence. |  |  |  | Reviewer Comment (2025-03-09): Received Verification of Rent. Exception cleared.<br>Seller Comment (2025-03-07): Comment from [redacted]: VOR | 03/09/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 1121379 | [Redacted] |  | 33808831 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | The appraisal was not provided to the borrower within [redacted] business days of the note date. |  |  |  | Reviewer Comment (2025-03-10): Waived per client request |  |  | 03/10/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B |  | N/A | No |
| [Redacted] | 1121379 | [Redacted] |  | 33808832 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: XXXX<br> Disaster Declaration Date: XXXX<br> Disaster End Date: XXXX | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months[redacted] or more.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least[redacted]<br>The Loan to Value (LTV) on the loan is less than or equal to [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least[redacted]<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to [redacted]<br>The representative FICO score exceeds the guideline minimum by at least[redacted] points.<br>The representative FICO score is above [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-13): Disaster took place over [redacted] year from note date<br>Reviewer Comment (2025-03-13): Reopened<br>Reviewer Comment (2025-03-10): Over [redacted] mos. Excepted as is per client. |  |  | 03/13/2025 | 2 C B |  | CA | Investment | Refinance - Rate/Term | C B |  | N/A | No |
| [Redacted] | 1121379 | [Redacted] |  | 33808833 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. [redacted] Valuation supports value. Sec ID: [redacted] | Note Date: XXXX; Lien Position: XXXX |  |  |  |  | Reviewer Comment (2025-03-10): Waived per client request |  |  | 03/10/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B |  | N/A | No |
| [Redacted] | 1121494 | [Redacted] |  | 33808835 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-03-14): Accepted as is. |  |  | 03/14/2025 | 2 B |  | NJ | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redacted] | 1121369 | [Redacted] |  | 33808840 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the [redacated] in file. | Provide title evidence with policy amount of [redacted] |  |  |  | Reviewer Comment (2025-03-17): Accepted as is. |  |  | 03/17/2025 | 2 B |  | UT | Investment | Purchase | B A |  | N/A | No |
| [Redacted] | 1121369 | [Redacted] |  | 33808841 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule ([redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | The appraisal was downloaded by the borrower after the effective date but prior to the report date. |  |  |  | Reviewer Comment (2025-03-17): Accepted as is. |  |  | 03/17/2025 | 2 B |  | UT | Investment | Purchase | B A |  | N/A | No |
| [Redacted] | 1121453 | [Redacted] |  | 33808843 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-03-24): Waived per client request |  |  | 03/24/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| [Redacted] | 1121453 | [Redacted] |  | 33808844 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-03-24): Waived per client request |  |  | 03/24/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| [Redacted] | 1121388 | [Redacted] |  | 33808847 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points.<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-15): Disaster is over [redacted] year from review date<br>Reviewer Comment (2025-04-15): Reopened<br>Reviewer Comment (2025-03-25): FEMA Declaration over [redacted] months. |  |  | 04/15/2025 | 2 C B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redacted] | 1121388 | [Redacted] |  | 33808848 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | File is missing Schedule E for REO income calculations. |  |  |  | Reviewer Comment (2025-03-26): As per [redacted] and [redacted], rental income for Subject property [redacted] is not included in DTI. Hence Schedule E is not required. Exception cleared.<br>Seller Comment (2025-03-25): Comment from [redacted]: REO for all properties | 03/26/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redacted] | 1121388 | [Redacted] |  | 33808849 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | File is missing Schedule E for REO income calculations. |  |  |  | Reviewer Comment (2025-03-28): [redacted] Schedule E received exception cleared.<br>Seller Comment (2025-03-28): Comment from [redacted] for all the conditions<br>Reviewer Comment (2025-03-26): Received Rental Income Calculator worksheet is already available in the file. Please provide [redacted]- Schedule E to verify rental income for the property [redacted]. Exception remains.<br>Seller Comment (2025-03-26): Comment from [redacted]: schedule E | 03/28/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redacted] | 1121388 | [Redacted] |  | 33808850 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | File is missing Schedule E for REO income calculations. |  |  |  | Reviewer Comment (2025-03-28): [redacted] Schedule E received exception cleared.<br>Reviewer Comment (2025-03-26): Received Rental Income Calculator worksheet is already available in the file. Please provide [redacted] - Schedule E to verify rental income for the property [redacted] and [redacted]., [redacted] Exception remains.<br>Seller Comment (2025-03-26): Comment from [redacted]: schedule E | 03/28/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redacted] | 1121388 | [Redacted] |  | 33808851 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | File is missing Schedule E for REO income calculations. |  |  |  | Reviewer Comment (2025-03-28): [redacted] Schedule E received exception cleared.<br>Reviewer Comment (2025-03-26): Received Rental Income Calculator worksheet is already available in the file. Please provide [redacted]- Schedule E to verify rental income for the property [redacted]. Exception remains.<br>Seller Comment (2025-03-26): Comment from [redacted]: schedule E | 03/28/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redacted] | 1121388 | [Redacted] |  | 33808852 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | File is missing Schedule E for REO income calculations. |  |  |  | Reviewer Comment (2025-03-28): [redacted] Schedule E received exception cleared.<br>Reviewer Comment (2025-03-26): Received Rental Income Calculator worksheet is already available in the file. Please provide [redacted] - Schedule E to verify rental income for the properties [redacted] Exception remains.<br>Seller Comment (2025-03-26): Comment from [redacted]: schedule E | 03/28/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redacted] | 1121388 | [Redacted] |  | 33808853 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | File is missing Schedule E for REO income calculations. |  |  |  | Reviewer Comment (2025-03-28): [redacted] Schedule E received exception cleared.<br>Reviewer Comment (2025-03-26): Received Rental Income Calculator worksheet is already available in the file. Please provide [redacted]- Schedule E to verify rental income for the property [redacted]. Exception remains.<br>Seller Comment (2025-03-26): Comment from [redacted]: schedule E | 03/28/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redacted] | 1121388 | [Redacted] |  | 33808854 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | File is missing Schedule E for REO income calculations. |  |  |  | Reviewer Comment (2025-03-28): [redacted] Schedule E received exception cleared.<br>Reviewer Comment (2025-03-26): Received Rental Income Calculator worksheet is already available in the file. Please provide [redacted] - Schedule E to verify rental income for the property [redacted]. Exception remains.<br>Seller Comment (2025-03-26): Comment from [redacted]): schedule E | 03/28/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redacted] | 1121388 | [Redacted] |  | 33808855 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | File is missing Schedule E for REO income calculations. |  |  |  | Reviewer Comment (2025-03-28): [redacted] received exception cleared.<br>Reviewer Comment (2025-03-26): Received Rental Income Calculator worksheet is already available in the file. Please provide [redacted] to verify rental income for the property[redacted] Exception remains.<br>Seller Comment (2025-03-26): Comment from [redacted] | 03/28/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redacted] | 1121388 | [Redacted] |  | 33808856 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | File is missing Schedule E for REO income calculations. |  |  |  | Reviewer Comment (2025-03-28): [redacted] received exception cleared.<br>Reviewer Comment (2025-03-26): Received Rental Income Calculator worksheet is already available in the file. Please provide[redacted] to verify rental income for the property[redacted] Exception remains.<br>Seller Comment (2025-03-26): Comment from [redacted] | 03/28/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redacted] | 1121388 | [Redacted] |  | 33808857 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [redacted] | Note Date: XXXX; Lien Position: XXXX |  |  |  |  | Reviewer Comment (2025-03-25): Accepted as is. |  |  | 03/25/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redacted] | 1121399 | [Redacted] |  | 33808858 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-03-25): Accepted as is. |  |  | 03/25/2025 | 2 B |  | NC | Investment | Purchase | B A |  | N/A | No |
| [Redacted] | 1121380 | [Redacted] |  | 33808859 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-04-14): Received, Clearing.<br>Seller Comment (2025-04-11): Comment from [redacted] Business Purpose | 04/14/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redacted] | 1121382 | [Redacted] |  | 33808861 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The file did not contain an estimated cost to replace from insurer. Calculations are based on [redacted] of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost, the purchase price) using agency calculation methods. Coverage is insufficient by [redacted] |  |  |  | Reviewer Comment (2025-04-10): Received, Clearing.<br>Seller Comment (2025-04-10): Comment from[redacted] | 04/10/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redacted] | 1121481 | [Redacted] |  | 33808863 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-04-15): Received, Clearing.<br>Buyer Comment (2025-04-15): Comment from [redacted] Can you please confirm regarding the dates[redacted] | 04/15/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Limited Cash-out GSE | D B A |  | N/A | No |
| [Redacted] | 1121481 | [Redacted] |  | 33808864 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] |  | Secondary valuation not required in file . |  |  |  | Reviewer Comment (2025-04-15): Received, Clearing.<br>Buyer Comment (2025-04-15): Comment from [redacted] : Is this an internal condition from [redacted] ?or do we need to provide documents for this? | 04/15/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Limited Cash-out GSE | D B A |  | N/A | No |
| [Redacted] | 1121481 | [Redacted] |  | 33808865 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The file is missing copy of Appraisal Report in file . |  |  |  | Reviewer Comment (2025-04-09): Received Appraisal. Exception cleared.<br>Seller Comment (2025-04-09): Comment from [redacted] | 04/09/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Limited Cash-out GSE | D B A |  | N/A | No |
| [Redacted] | 1121481 | [Redacted] |  | 33808866 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-04-10): Accepted as is. |  |  | 04/10/2025 | 2 B |  | CA | Investment | Refinance - Limited Cash-out GSE | D B A |  | N/A | No |
| [Redacted] | 1121404 | [Redacted] |  | 33808867 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing. |  |  |  | Reviewer Comment (2025-04-10): Received, Clearing.<br>Seller Comment (2025-04-10): Comment from [redacted] | 04/10/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
| [Redacted] | 1121417 | [Redacted] |  | 33808869 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Appraisal delivery confirmation receipt is not provided |  |  |  | Reviewer Comment (2025-04-09): Accepted as is. |  |  | 04/09/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| [Redacted] | 1121495 | [Redacted] |  | 33808870 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the [redacated] in file. | Provide title evidence with policy amount of "[redacted]" |  |  |  | Reviewer Comment (2025-04-10): Client elects to[redacted] |  |  | 04/10/2025 | 2 B |  | UT | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redacted] | 1121530 | [Redacted] |  | 33808871 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2025-04-10): Accepted as is. |  |  | 04/10/2025 | 2 B |  | CA | Investment | Purchase | C B A |  | N/A | No |
| [Redacted] | 1121530 | [Redacted] |  | 33808872 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of [redacted] exceeds AUS total debt ratio of [redacted]. |  |  |  | Reviewer Comment (2025-04-14): Received, Clearing.<br>Seller Comment (2025-04-11): Comment from [redacted] | 04/14/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A |  | N/A | No |
| [Redacted] | 1121588 | [Redacted] |  | 33808880 |  | Compliance | Compliance | Federal Compliance | TRID Defect | [redacted]Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: [REDACTED] Tolerance exceeded for Lender Credits. Final Lender Credit of [REDACTED] is less than amount of binding Lender Credit previously disclosed in the amount of [REDACTED]. | The [redacted] reflects Lender Credits which is not the same amount initially disclosed on the Loan Estimate. Missing a valid [redacted] |  |  |  | Reviewer Comment (2022-02-15): Documentation provided. Exception cleared<br>Seller Comment (2022-02-14): coc<br>Seller Comment (2022-02-14): COC occurred on [REDACTED] | 02/15/2022 |  |  | 1 C A |  | CA | 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 | No |
| [Redacted] | 1121588 | [Redacted] |  | 33808882 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [REDACTED] Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [REDACTED] Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [REDACTED]exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as [REDACTED] on LE but disclosed as [REDACTED] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [REDACTED], 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 (2022-02-15): Documentation provided. Exception cleared<br>Reviewer Comment (2022-02-15): [REDACTED] Received comment from the seller that cure for [REDACTED] is provided at closing. Total cure required is [REDACTED]which includes [REDACTED] for Appraisal and[REDACTED]for the Lender credits. We have received cure for [REDACTED] at closing. Once the remaining cure of [REDACTED] is received, we can clear both the exceptions. Exception remains.<br>Seller Comment (2022-02-14): CD<br>Seller Comment (2022-02-14): [redacted]<br>Seller Comment (2022-02-14): The [REDACTED] cure was paid out at time of the funding and reflected on the [redacted] and consummation CD | 02/15/2022 |  |  | 1 C A |  | CA | 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 | No |
| [Redacted] | 1121588 | [Redacted] |  | 33808883 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower. | cure provided at closing |  |  |  | Reviewer Comment (2022-02-15): Sufficient Cure Provided within [REDACTED] Days of Closing |  | 02/15/2022 |  | 1 A |  | CA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Non QM | Non QM | No |
| [Redacted] | 1121185 | [Redacted] |  | 33808885 |  | Credit | Income / Employment | Income Documentation | Missing Document | [redacted]Documents are missing. | XXXX | The file was missing Insurance verification and [redacted] for REO Property [redacted] |  |  |  | Reviewer Comment (2025-01-29): Received, Clearing.<br>Seller Comment (2025-01-29): Comment from [redacted] : Attached is the mortgage statement which also shows the insurance is escrowed and was paid via disbursement on [redacted] | 01/29/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121185 | [Redacted] |  | 33808888 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of XXXX is less than Guideline Available for Reserves of XXXX. |  | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this [redacted] transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-06): Client elects to [redacted] with compensating factors.<br>Seller Comment (2025-03-06): Comment from [redacted] : exception approved for borrower being short on reserves<br>Reviewer Comment (2025-01-29): We have to verify for closing[redacted] which includes [redacted] We have assets of [redacted] which includes accounts, [redacted] Reserves are short.<br>Buyer Comment (2025-01-29): Comment from [redacted] : Please review the bank statements on file. Borrower has[redacted] in verified assets. Using[redacted] [redacted] reserve requirement[redacted] The borrower should have more than enough assets to cover the[redacted] |  |  | 03/06/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121188 | [Redacted] |  | 33808890 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be [redacted], and was originated with an Appraisal Waiver. The supporting [redacted]is missing[redacted] |  | [redacted]waivers are not eligible for use under this product |  |  |  | Reviewer Comment (2025-03-05): [redacted] received<br>Seller Comment (2025-03-05): Comment from [redacted] : Please see[redacted] | 03/05/2025 |  |  | 1 D A B C |  | CA | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 1121188 | [Redacted] |  | 33808892 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID[redacted] Percent Tolerance Violation Without[redacted]Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of[redacted] exceeds tolerance of[redacted] plu[redacted] or [redacted] Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of[redacted]exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-03-07): [redacted]received corrected PCCD reconciled with ALTA final SS.<br>Seller Comment (2025-03-06): Comment from [redacted][redacted]([redacted]): Please see attached<br>Reviewer Comment (2025-02-27): [redacted]received corrected PCCD dated [redacted] and Final Settlement Statement. Missing of LOE to borrower that accompanied the [redacted] PCCD to finalize.<br>Seller Comment (2025-02-26): Comment from [redacted][redacted]([redacted]): No cure applicable for recording Fees, post recording was completed the fees were reduced to a total of $[redacted]and the borrower was refunded the additional amount of $[redacted]back. <br> Please review the attached FSS and Refund check attached for your review. |  | 03/07/2025 |  | 2 C B |  | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 1121188 | [Redacted] |  | 33808893 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial [redacted]Timing without Waiver | [redacted] Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at leas[redacted]prior to closing. | The[redacted] was not signed or dated. |  |  |  | Reviewer Comment (2025-02-25): [redacted]received disclosure tracking for CD dated [redacted].<br>Seller Comment (2025-02-24): Comment from [redacted][redacted]([redacted]): please see attached | 02/25/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 1121188 | [Redacted] |  | 33808894 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted], and was originated with an Appraisal Waiver.[redacted]Valuation supports value.[redacted] | Note Date: XXXX; Lien Position: XXXX |  |  |  |  | Reviewer Comment (2025-03-05): Client elects to waive |  |  | 03/05/2025 | 2 B |  | CA | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 1121261 | [Redacted] |  | 33808895 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule[redacted]: Creditor did not provide a copy of each valuation to applicant[redacted]business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-02-03): Accepted as is. |  |  | 02/03/2025 | 2 B |  | TX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121261 | [Redacted] |  | 33808898 |  | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Description not provided |  | Legal Description not provided |  |  |  | Reviewer Comment (2025-02-10): Received Legal Description. Exception cleared.<br>Seller Comment (2025-02-07): Comment from [redacted][redacted]([redacted]): See attached.<br>Reviewer Comment (2025-02-05): Received document reflects subject proeprty address. However, legal description is blank. Please provide Legal Description of Subject Property. Exception remains.<br>Seller Comment (2025-02-04): Comment from [redacted][redacted]([redacted].): See attached. | 02/10/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121252 | [Redacted] |  | 33808903 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: [redacted] - Subject Lien not provided |  | File is missing a copy of [redacted] |  |  |  | Reviewer Comment (2025-02-12): Received Security Instrument. Exception cleared.<br>Seller Comment (2025-02-12): Comment from [redacted] ([redacted]): LOAN SECCURITY AGREEMENT | 02/12/2025 |  |  | 1 D A |  | NY | Primary | Purchase | D A | Non QM | Non QM | No |
| [Redacted] | 1121259 | [Redacted] |  | 33808906 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]percent Fee Tolerance exceeded for [redacted] Title Insurance. Fee Amount of [redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | No Tolerance Cure provided on File |  |  |  | Reviewer Comment (2025-03-07): [redacted]received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-03-06): Comment from [redacted] ([redacted]): Cure in transit<br>Reviewer Comment (2025-03-05): [redacted]received PCCD, LOE, Refund Check and Proof of Mailing. USPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Seller Comment (2025-03-04): Comment from[redacted] ([redacted]): Will be shipped today.<br>Reviewer Comment (2025-03-04): [redacted]received comment.We would require cure of $[redacted]in order to cure the exception. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-03-03): Comment from [redacted] ([redacted]): Please confirm the correct amount to be cured so that we can have this corrected immediately without further delay.<br>Reviewer Comment (2025-02-18): [redacted]received rebuttal. The inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the Title - lender's title insurance fee was included in section B of the most recent LE, the consumer was not allowed to shop, and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-02-17): Comment from [redacted]([redacted]): Title - Lender's Title Insurance, is in Section C, which is in an unlimited/no tolerance limit section. Cure is not required. |  | 03/07/2025 |  | 2 C B |  | MS | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| [Redacted] | 1121220 | [Redacted] |  | 33808909 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule[redacted]: Creditor did not provide a copy of each valuation to applicant[redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-02-18): Accepted as is. |  |  | 02/18/2025 | 2 B |  | TX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 1121245 | [Redacted] |  | 33808916 |  | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] - Business not provided |  | Account[redacted] is missing for the month of [redacted] with account number ending with[redacted] |  |  |  | Reviewer Comment (2025-03-03): Received [redacted] dated business bank statement account number ending with [redacted]. Exception cleared.<br>Seller Comment (2025-03-03): Comment from [redacted] ([redacted]): Please see missing bank statement attached. | 03/03/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redacted] | 1121306 | [Redacted] |  | 33808919 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure[redacted] Percent Fee Tolerance exceeded. Total amount of[redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted]exceeds tolerance of [redacted] plus [redacted] or [redacted]Insufficient or no cure was provided to the borrower. (|  |  |  | Reviewer Comment (2025-03-05): [redacted]received valid COC dated [redacted]<br>Seller Comment (2025-03-04): Comment from [redacted] ([redacted]): [redacted]<br>Reviewer Comment (2025-03-02): [redacted]Final CD reflects general Lender credit of $[redacted]and no Cure provided on Final CD. General Lender Credit cannot be considered as Cure. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-02-27): Comment from [redacted] ([redacted]): cure provided at closing | 03/05/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| [Redacted] | 1121306 | [Redacted] |  | 33808920 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Payment [redacted] exceeds credit guidelines. | Payment Shock: XXXX |  | Borrower has verified disposable income of at least $[Redacted].<br>Borrowers made a down payment from their own funds on this [redacted] transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-10): Client exception received.<br>Seller Comment (2025-03-10): Comment from [redacted] ([redacted]): see attached approved exception |  |  | 03/10/2025 | 2 C B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121277 | [Redacted] |  | 33808922 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted]Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | vDisclosure is missing from file. |  |  |  | Reviewer Comment (2025-02-28): Accepted as is. |  |  | 02/28/2025 | 2 B |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121277 | [Redacted] |  | 33808923 |  | Compliance | Compliance | State Compliance | State HPML | [redacted]Threshold Test[redacted] | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]or Final Disclosure APR of [redacted] is equal to or greater than the threshold of [redacted] Non-Compliant Higher Priced Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of [redacted], or [redacted]. Non-Compliant Higher Priced Loan. |  |  |  | Reviewer Comment (2025-02-28): Accepted as is. |  |  | 02/28/2025 | 2 B |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121277 | [Redacted] |  | 33808924 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial [redacted] Timing without Waiver | TILA-RESPA Integrated Disclosure:[redacted] not provided to Borrower(s) at least [redacted]business days prior to closing. | Initial[redacted] is missing from file. |  |  |  | Reviewer Comment (2025-03-04): [redacted]received [redacted] CD, received [redacted]business days prior to consummation.<br>Seller Comment (2025-03-03): Comment from [redacted] ([redacted]): initial closing disclosure | 03/04/2025 |  |  | 1 C A |  | MD | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| [Redacted] | 1121277 | [Redacted] |  | 33808926 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of[redacted] exceeds tolerance of[redacted]plus[redacted]or [redacted] Insufficient or no cure was provided to the borrower. | No Cure Provided in file. |  |  |  | Reviewer Comment (2025-03-13): [Redacted] received LOS snip for fee bifurcation from ILE to revise LE.<br>Seller Comment (2025-03-12): Comment from [Redacted] ([Redacted]): fees break down initial to final and showing borrower name on top<br>Reviewer Comment (2025-03-04): [Redacted] received LOS snip to show the fee bifurcation however, from snip we are unable to identify the borrower's name, loan number or property address. Please provide complete snip or LOE with snip to re-baseline the fees.<br>Seller Comment (2025-03-03): Comment from [redacted] [redacted]): clear condition - push back fees were broken up from the LE to the CD | 03/13/2025 |  |  | 1 C A |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| [Redacted] | 1121277 | [Redacted] |  | 33808928 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [redacted]: Creditor did not provide a copy of each valuation to applicant[redacted]business days prior to consummation. | Creditor did not provide a copy of appraisal within [redacted]business days of closing. |  |  |  | Reviewer Comment (2025-02-28): Accepted as is. |  |  | 02/28/2025 | 2 B |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121277 | [Redacted] |  | 33808929 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Non compliant higher priced mortgage loan. |  |  |  | Reviewer Comment (2025-03-06): Appraisal acknowledgment in original file<br>Seller Comment (2025-03-06): Comment from [Redacted] ([Redacted]): push back | 03/06/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121277 | [Redacted] |  | 33808930 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-03-06): Appraisal acknowledgment in original file | 03/06/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121235 | [Redacted] |  | 33808936 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided |  |  |  | Reviewer Comment (2025-03-03): Cleared- evidence of appraisal was sent to the borrower was received.<br>Seller Comment (2025-03-03): Comment from [Redacted] ([Redacted]): see attached | 03/03/2025 |  |  | 1 B A |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redacted] | 1121263 | [Redacted] |  | 33808937 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | The file is missing a copy of Divorce Decree/Child support. |  |  |  | Reviewer Comment (2025-03-03): Received Divorce Decree. Exception cleared.<br>Seller Comment (2025-03-03): Comment from [Redacted] ([Redacted]): DIVORCEE DECREE ATTATCHED | 03/03/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redacted] | 1121263 | [Redacted] |  | 33808940 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Please provide CPA Letter confirming that the withdrawal of business funds for this transaction will not have a negative impact on the business. Acct # [redacted] |  |  |  | Reviewer Comment (2025-03-06): Received CPA letter. Exception cleared.<br>Seller Comment (2025-03-06): Comment from[Redacted] ([Redacted]): CPA EMAIL - CONFIRMING INFORMATION REQUESTED | 03/06/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redacted] | 1121263 | [Redacted] |  | 33808941 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Please provide CPA Letter confirming that the withdrawal of business funds for this transaction will not have a negative impact on the business. Acct # [redacted] |  |  |  | Reviewer Comment (2025-03-06): Received CPA letter. Exception cleared.<br>Seller Comment (2025-03-06): Comment from [Redacted]([Redacted]): Negative impact statement is in section F of the attached letter. | 03/06/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redacted] | 1121309 | [Redacted] |  | 33808942 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  | Reviewer Comment (2025-03-03): Accepted as is per client. |  |  | 03/03/2025 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redacted] | 1121309 | [Redacted] |  | 33808943 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  | Reviewer Comment (2025-03-03): Accepted as is per client. |  |  | 03/03/2025 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redacted] | 1121249 | [Redacted] |  | 33808954 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | The file is missing a copy of the Insurance Verification for [redacted]. |  |  |  | Reviewer Comment (2025-03-06): Received, Clearing.<br>Seller Comment (2025-03-06): Comment from [Redacted] ([Redacted]): [Redacted]: providing Note for this property, showing the borrower is not obligated on this property | 03/06/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | 1121249 | [Redacted] |  | 33808955 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | The file is missing a copy of the Insurance Verification for [redacted]. |  |  |  | Reviewer Comment (2025-03-06): Received, Clearing.<br>Seller Comment (2025-03-06): Comment from [Redacted] ([Redacted]): [Redacted]: please see attached letter from the borrower, confirming that they do not have HOI on this property | 03/06/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | 1121249 | [Redacted] |  | 33808956 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | The file is missing a copy of the Insurance Verification for [redacted] |  |  |  | Reviewer Comment (2025-03-06): Received, Clearing.<br>Seller Comment (2025-03-06): Comment from [Redacted] ([Redacted]): [Redacted]: please see attached document showing that this is vacant land, so there would not be HOI on this property. | 03/06/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | 1121249 | [Redacted] |  | 33808957 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | The file is missing a copy of the Insurance Verification for [redacted] |  |  |  | Reviewer Comment (2025-03-06): Received, Clearing.<br>Seller Comment (2025-03-06): Comment from [Redacted] ([Redacted]):[Redacted]: please see attached document showing that this is vacant land, so there would not be HOI on this property. | 03/06/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | 1121262 | [Redacted] |  | 33808963 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Payment Shock exceeds credit guidelines. | Payment Shock: XXXX | Lender exception approved for first time homebuyer with payment shock exceeding [redacted]%. Compensating factors are LTV [redacted]% and [redacted]months of reserves. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this [redacted] transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-18): Client elects to waive with compensating factors<br>Reviewer Comment (2025-06-18): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Payment Shock: [Redacted]%<br>Reviewer Comment (2025-06-18): Reopened<br>Reviewer Comment (2025-03-05): Client elects to waive/regrade with compensating factors. |  |  | 06/18/2025 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redacted] | 1121317 | [Redacted] |  | 33808966 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. If the prelim does not state a coverage amount |  |  |  | Reviewer Comment (2025-03-04): Accepted as is. |  |  | 03/04/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redacted] | 1121317 | [Redacted] |  | 33808967 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal was provided after the effective date but prior to the report date. |  |  |  | Reviewer Comment (2025-03-04): Accepted as is. |  |  | 03/04/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redacted] | 1121251 | [Redacted] |  | 33808973 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-05): Sufficient Cure Provided At Closing |  | 03/05/2025 |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| [Redacted] | 1121305 | [Redacted] |  | 33808980 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-03-06): Accepted as is. |  |  | 03/06/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redacted] | 1121367 | [Redacted] |  | 33808982 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | File is missing HOA Verification, Insurance Verification |  |  |  | Reviewer Comment (2025-03-07): Received, Clearing.<br>Seller Comment (2025-03-07): Comment from [Redacted] ([Redacted]): ALL DOCS FOR PROPERTY | 03/07/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C B A | N/A | N/A | No |
| [Redacted] | 1121367 | [Redacted] |  | 33808983 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-03-06): Accepted as is. |  |  | 03/06/2025 | 2 B |  | NY | Investment | Purchase | C B A | N/A | N/A | No |
| [Redacted] | 1121371 | [Redacted] |  | 33808985 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty | [Redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [Redacted] . Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  | Reviewer Comment (2025-03-06): Accepted as is.<br>Buyer Comment (2025-03-06): Comment from [Redacted] ([Redacted]): This is allowed to have a [Redacted]since this is an [redacted] property. Can you elaborate on what exactly is the issue? |  |  | 03/06/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A | Non QM | N/A | No |
| [Redacted] | 1121371 | [Redacted] |  | 33808986 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-03-06): Accepted as is.<br>Seller Comment (2025-03-06): Comment from [Redacted] ([Redacted]): PROOF OF APPRAISAL DELIVERY |  |  | 03/06/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A | Non QM | N/A | No |
| [Redacted] | 1121364 | [Redacted] |  | 33808993 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  | Reviewer Comment (2025-03-11): Received, Clearing.<br>Seller Comment (2025-03-10): Comment from [Redacted]([Redacted]): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as [redacted]) rate. | 03/11/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | 1121364 | [Redacted] |  | 33808994 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Mortgage loan financed Points and Fees. |  |  |  | Reviewer Comment (2025-03-11): Received, Clearing.<br>Seller Comment (2025-03-10): Comment from [Redacted] ([Redacted]): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 03/11/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | 1121364 | [Redacted] |  | 33808995 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [Redacted] % of the amount past due or grace period of less than [Redacted] days. | Mortgage loan contains a late charge that exceeds the greater of [Redacted] % of the amount past due or grace period of less than [Redacted] days. |  |  |  | Reviewer Comment (2025-03-11): Received, Clearing.<br>Seller Comment (2025-03-10): Comment from [Redacted] ([Redacted]): [redacted] [redacted] Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as [redacted]) rate. | 03/11/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | 1121364 | [Redacted] |  | 33808996 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the Federal Total Loan Amount. Points and Fees of $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted] %). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the Federal Total Loan Amount. Points and Fees of $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted] %). |  |  |  | Reviewer Comment (2025-03-11): Received, Clearing.<br>Seller Comment (2025-03-10): Comment from [Redacted] ([Redacted]): [redacted] [redacted]: Please see the attached [redacted] Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as [redacted]) rate. | 03/11/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | No |
| [Redacted] | 1121364 | [Redacted] |  | 33808998 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the [redacated] in file. | Title Policy Coverage is less than Original Loan Amount. |  |  |  | Reviewer Comment (2025-03-07): Accepted as is. |  |  | 03/07/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | 1121364 | [Redacted] |  | 33808999 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (2015 Counseling Requirement) | Truth in Lending Act (HOEPA): Pre-loan counseling requirements not met. |  |  |  |  | Reviewer Comment (2025-03-11): Received, Clearing. | 03/11/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | 1121343 | [Redacted] |  | 33809001 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the [redacated] in file. | Provide title evidence with policy amount of $[Redacted] |  |  |  | Reviewer Comment (2025-03-06): Accepted as is. |  |  | 03/06/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | 1121286 | [Redacted] |  | 33809005 |  | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty | [Redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of[Redacted] . Prepay language states prepay will not exceed maximum permitted by applicable law. | No prepayment penalties are permissible in the state of[Redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  | Reviewer Comment (2025-03-06): Client elects to waive.<br>Buyer Comment (2025-03-06): Comment from [Redacted] ([Redacted]): PPP's are allowed in [Redacted] when a loan closes in an entity. Loan closed in the name of an [redacted] |  |  | 03/06/2025 | 2 B |  | NJ | Investment | Purchase | C B A | N/A | N/A | No |
| [Redacted] | 1121286 | [Redacted] |  | 33809006 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | File is missing VOR for departure residence as required per guidelines. |  |  |  | Reviewer Comment (2025-03-06): Received Verification of Rent. Exception cleared.<br>Seller Comment (2025-03-06): Comment from [Redacted] ([Redacted]): VOR | 03/06/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A | N/A | N/A | No |
| [Redacted] | 1121447 | [Redacted] |  | 33809016 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Counseling Disclosure Not Provided) | [Redacted] : Counseling Disclosure not provided to borrower. | Counseling Disclosure not provided to borrower. |  |  |  | Reviewer Comment (2025-03-07): Accepted as is. |  |  | 03/07/2025 | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121447 | [Redacted] |  | 33809017 |  | Compliance | Compliance | State Compliance | State HPML | [Redacted]Threshold Fixed Non-Compliant | [Redacted] : APR on subject loan of [Redacted] [Redacted] or Final Disclosure APR of [Redacted] % is in excess of allowable threshold of Prime Mortgage Market Rate [Redacted] + [Redacted] %, or [Redacted] %. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2025-03-07): Accepted as is. |  |  | 03/07/2025 | 2 B |  | NY | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121447 | [Redacted] |  | 33809018 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | Reviewer Comment (2025-03-07): Accepted as is. |  |  | 03/07/2025 | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121448 | [Redacted] |  | 33809021 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2025-03-07): Accepted as is. |  |  | 03/07/2025 | 2 B |  | NJ | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121448 | [Redacted] |  | 33809023 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  | Reviewer Comment (2025-03-07): Accepted as is. |  |  | 03/07/2025 | 2 B |  | NJ | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121448 | [Redacted] |  | 33809024 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-07): Sufficient Cure Provided At Closing |  | 03/07/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121448 | [Redacted] |  | 33809027 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2025-03-12): Received, Clearing.<br>Buyer Comment (2025-03-12): Comment from [Redacted] ([Redacted]): Please advise Cash to Close number being used. as our Calculations show enough reserves.<br>Reviewer Comment (2025-03-10): Checking #[Redacted]; IRA #[Redacted]; Checking #[Redacted]. Gifts and POCB excluded from reserves. Exception remains.<br>Buyer Comment (2025-03-10): Comment from [Redacted] ([Redacted]): Please advise which bank statements/assets are being used in calculation for [Redacted]k. | 03/12/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121448 | [Redacted] |  | 33809028 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-03-12): Received, Clearing. | 03/12/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121316 | [Redacted] |  | 33809035 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-03-11): Accepted as is. |  |  | 03/11/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121316 | [Redacted] |  | 33809036 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [Redacted] |  | [redacted] Final is missing. |  |  |  | Reviewer Comment (2025-03-12): Received Final [redacted]. Exception cleared.<br>Seller Comment (2025-03-12): Comment from [Redacted] (Guaranteed Rate): Final [redacted] | 03/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121316 | [Redacted] |  | 33809037 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | The appraisal was not provided to the borrower within [Redacted] business days of the note date. |  |  |  | Reviewer Comment (2025-03-11): Accepted as is. |  |  | 03/11/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121316 | [Redacted] |  | 33809039 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | No Cure Provided. |  |  |  | Reviewer Comment (2025-03-13): [Redacted] received valid COC document dated [Redacted]<br>Seller Comment (2025-03-12): Comment from [Redacted] (Guaranteed Rate): CD with COC - Appraisal Review Fee | 03/13/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| [Redacted] | 1121316 | [Redacted] |  | 33809040 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | No Cure Provided. |  |  |  | Reviewer Comment (2025-03-13): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." | 03/13/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| [Redacted] | 1121316 | [Redacted] |  | 33809041 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | No Cure Provided. |  |  |  | Reviewer Comment (2025-03-13): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." | 03/13/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| [Redacted] | 1121316 | [Redacted] |  | 33809042 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | New distributions from deferred compensation asset account with less than [Redacted] months history used to qualify | Borrower has verified disposable income of at least $[Redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this [redacted] transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-11): Client elects to waive with compensating factors |  |  | 03/11/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121316 | [Redacted] |  | 33809043 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-03-13): Sufficient Cure Provided At Closing |  | 03/13/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| [Redacted] | 1121316 | [Redacted] |  | 33809044 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-03-13): Sufficient Cure Provided At Closing |  | 03/13/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| [Redacted] | 1121293 | [Redacted] |  | 33809049 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | [Redacted] acct ending [Redacted] verified balance is $[Redacted] however, the balance listed on the [redacted] is $[Redacted]. |  |  |  | Reviewer Comment (2025-03-12): Received, Clearing.<br>Buyer Comment (2025-03-12): Comment from [Redacted] ([Redacted]): Please refer to page [Redacted] [redacted] [Redacted] showing the total balance for the [Redacted] account #[Redacted]. The $[Redacted]K deposit was sourced from the [Redacted] account #[Redacted] which is on page [Redacted] DOC ID [Redacted]. | 03/12/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redacted] | 1121293 | [Redacted] |  | 33809051 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | [Redacted] acct ending [Redacted] verified balance is $[Redacted] however, the balance listed on the [redacted] is $[Redacted]. |  |  |  | Reviewer Comment (2025-03-12): Received, Clearing.<br>Buyer Comment (2025-03-12): Comment from [Redacted] ([Redacted]): Please refer to page [Redacted] DOC [Redacted] showing the total balance for the [Redacted] account #[Redacted]. The $[Redacted]K deposit was sourced from the [Redacted] account #[Redacted] which is on page [Redacted] DOC ID [Redacted]. | 03/12/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redacted] | 1121293 | [Redacted] |  | 33809052 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2025-03-12): Received, Clearing.<br>Buyer Comment (2025-03-12): Comment from [Redacted] ([Redacted]): Please refer to page [Redacted] DOC [Redacted] showing the total balance for the [Redacted] account #[Redacted]. The $[Redacted]K deposit was sourced from the [Redacted] account #[Redacted] which is on page [Redacted] DOC ID [Redacted]. | 03/12/2025 |  |  | 1 B A C |  | MO | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| [Redacted] | 1121293 | [Redacted] |  | 33809053 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-03-12): Received, Clearing.<br>Buyer Comment (2025-03-12): Comment from [Redacted] ([Redacted]): Please refer to page [Redacted] DOC [Redacted] showing the total balance for the [Redacted] account #[Redacted]. The $[Redacted]K deposit was sourced from the [Redacted] account #[Redacted] which is on page [Redacted] DOC ID [Redacted]. | 03/12/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redacted] | 1121469 | [Redacted] |  | 33809054 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The file was missing copy of Approval. |  |  |  | Reviewer Comment (2025-03-12): Received Approval. Exception cleared.<br>Seller Comment (2025-03-12): Comment from [Redacted] ([Redacted]): PLease see attached | 03/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121469 | [Redacted] |  | 33809056 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([Redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] ([Redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-03-11): Accepted as is. |  |  | 03/11/2025 | 2 B |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121469 | [Redacted] |  | 33809057 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-03-12): Received Appraisal delivery confirmation. Exception cleared. | 03/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121469 | [Redacted] |  | 33809058 |  | Compliance | Compliance | Federal Compliance | Compliance | Federal HPML Appraisal - CDFI Not Exempt | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under [redacted] due to loan failing [redacted] or more of the QM requirements under [redacted] (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. | ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under [redacted] due to loan failing [redacted] or more of the QM requirements under [redacted] or ([redacted]) (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. |  |  |  | Reviewer Comment (2025-03-11): Accepted as is. |  |  | 03/11/2025 | 2 B |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121469 | [Redacted] |  | 33809059 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([Redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] ([Redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-03-12): Received Appraisal delivery confirmation. Exception cleared.<br>Seller Comment (2025-03-12): Comment from [redacted] ([redacted]): PLease see attached appraisal Delivery | 03/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121469 | [Redacted] |  | 33809061 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Blanket coverage is missing. |  |  |  | Reviewer Comment (2025-03-12): Received Master Insurance Policy. Exception cleared.<br>Seller Comment (2025-03-12): Comment from [redacted]([redacted]): PLease see attached. | 03/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121469 | [Redacted] |  | 33809062 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | PITIA months of reserves of [Redacted]is less than required reserves of [Redacted]. |  |  |  | Reviewer Comment (2025-03-12): Received Bank statements. Exception cleared. | 03/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121469 | [Redacted] |  | 33809063 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Available assets for closing in the amount of $[Redacted] is less than cash from borrower in the amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-03-12): Received Bank statements. Exception cleared.<br>Seller Comment (2025-03-12): Comment from [redacted]([redacted]): PLease see additional documented assets. | 03/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121284 | [Redacted] |  | 33809069 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing CPA letter indicating the use of business funds will not have a negative effect on the business. |  |  |  | Reviewer Comment (2025-03-12): Received, Clearing.<br>Buyer Comment (2025-03-12): Comment from [redacted] ([redacted]): [redacted]: see the lox provided on page [redacted]or D[redacted], at the bottom it states "use of funds for cash to close and/or reserves will not have a negative impact on the business" | 03/12/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redacted] | 1121268 | [Redacted] |  | 33809073 |  | 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 [redacted] ([Redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2025-03-13): [redacted] received rebuttal and document suffice.<br>Buyer Comment (2025-03-12): Comment from [redacted] ([redacted]): Please see the evidentiary document on page [redacted] of the loan images to confirm the[redacted] CD was acknowledged online on [redacted]. | 03/13/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
| [Redacted] | 1121295 | [Redacted] |  | 33809074 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([Redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-03-12): Accepted as is. |  |  | 03/12/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | B A | N/A | Non QM | No |
| [Redacted] | 1121295 | [Redacted] |  | 33809077 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient Cure was provided |  |  |  | Reviewer Comment (2025-03-12): Sufficient Cure Provided At Closing |  | 03/12/2025 |  | 1 A |  | TX | Investment | Refinance - Cash-out - Other | Final CD evidences Cure B A | N/A | Non QM | No |
| [Redacted] | 1121247 | [Redacted] |  | 33809080 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | XXXX | The file is missing a copy of the E-sign Consent Agreement. |  |  |  | Reviewer Comment (2025-03-12): Received, Clearing.<br>Seller Comment (2025-03-12): Comment from [redacted][redacted]): E Consent | 03/12/2025 |  |  | 1 C A |  | PA | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redacted] | 1121247 | [Redacted] |  | 33809082 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No cure provided. |  |  |  | Reviewer Comment (2025-03-11): Sufficient Cure Provided At Closing |  | 03/11/2025 |  | 1 A |  | PA | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| [Redacted] | 1121419 | [Redacted] |  | 33809087 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([Redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-03-13): Waived per client request |  |  | 03/13/2025 | 2 B |  | MN | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redacted] | 1121311 | [Redacted] |  | 33809089 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. ([redacted]) |  |  |  | Reviewer Comment (2025-03-13): Sufficient Cure Provided At Closing |  | 03/13/2025 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| [Redacted] | 1121311 | [Redacted] |  | 33809090 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-03-13): Sufficient Cure Provided At Closing |  | 03/13/2025 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| [Redacted] | 1121311 | [Redacted] |  | 33809091 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-03-13): Sufficient Cure Provided At Closing |  | 03/13/2025 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| [Redacted] | 1121311 | [Redacted] |  | 33809093 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Private Party VOR, unable to provide cancelled checks for rent. [redacted] employed less than year after [Redacted] month [redacted]. Approved with comp factors being [redacted] hired [Redacted] same employer & [redacted] employed [Redacted]+ years. Good residual income and low DTI. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-13): Client elects to waive/regrade with compensating factors. |  |  | 03/13/2025 | 2 B |  | CA | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redacted] | 1121356 | [Redacted] |  | 33809096 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The seller has not been in title for more than [Redacted] days. Lender exception approved. Compensating factors: LTV [Redacted]%, FICO [Redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-13): Client elects to waive/regrade with compensating factors. |  |  | 03/13/2025 | 2 B |  | NV | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redacted] | 1121328 | [Redacted] |  | 33809099 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title is a Preliminary and not a Final title policy. |  |  |  | Reviewer Comment (2025-03-14): Accepted as is. |  |  | 03/14/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redacted] | 1121492 | [Redacted] |  | 33809103 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Exception from Seller provided. Buyer exception required to clear. | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-17): Client elected to waive/regrade with compensating factors. Lender exception provided.<br>Buyer Comment (2025-03-17): Comment from [redacted] ([redacted]): See trailing docs. [Redacted] exception uploaded.<br>Reviewer Comment (2025-03-17): Exceptions must come from the buyer of the loan.<br>Seller Comment (2025-03-17): Comment from [redacted] ([redacted]): See attached Lender exception |  |  | 03/17/2025 | 2 C B |  | WA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redacted] | 1121492 | [Redacted] |  | 33809104 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([Redacted] [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [Redacted] due to short reserves. |  |  |  | Reviewer Comment (2025-03-17): Buyer exception provided<br>Buyer Comment (2025-03-17): Comment from [redacted] ([redacted]): See trailing docs. [Redacted] exception uploaded.<br>Reviewer Comment (2025-03-17): Exceptions must come from the buyer of the loan.<br>Buyer Comment (2025-03-17): Comment from [redacted]([redacted]): Lender exception provided for short reserves. | 03/17/2025 |  |  | 1 B A C |  | WA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | No |
| [Redacted] | 1121492 | [Redacted] |  | 33809105 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([Redacted][Redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | [Redacted]due to short reserves. |  |  |  | Reviewer Comment (2025-03-17): Buyer exception provided<br>Seller Comment (2025-03-17): Comment from [redacted]([redacted]): See attached [Redacted] exception<br>Reviewer Comment (2025-03-17): Exceptions must come from the buyer of the loan.<br>Buyer Comment (2025-03-17): Comment from [redacted]([redacted]): Lender exception provided for short reserves. | 03/17/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redacted] | 1121492 | [Redacted] |  | 33809106 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure:[Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-14): Sufficient Cure Provided At Closing |  | 03/14/2025 |  | 1 A |  | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | No |
| [Redacted] | 1121492 | [Redacted] |  | 33809108 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted] Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-03-18): [redacted] received a valid COC.<br>Seller Comment (2025-03-17): Comment from [redacted]([redacted]): Please see attached [redacted] | 03/18/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| [Redacted] | 1121373 | [Redacted] |  | 33809112 |  | Compliance | Compliance | State Compliance | State HPML | [Redacted] [Redacted]Threshold Test Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]% Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2025-03-14): Accepted as is. |  |  | 03/14/2025 | 2 B |  | MA | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
| [Redacted] | 1121294 | [Redacted] |  | 33809117 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-03-14): Provided. Cleared.<br>Seller Comment (2025-03-14): Comment from [redacted] ([redacted]): Data Verify | 03/14/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | 1121294 | [Redacted] |  | 33809120 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted][Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] ([Redacted]) business days prior to consummation. | The appraisal was not provided to each valuation within [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-03-14): Accepted as is. |  |  | 03/14/2025 | 2 B |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | 1121325 | [Redacted] |  | 33809126 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a [redacted] by a creditor that is not considered the original creditor. The H-[Redacted] form was used, the H-[Redacted]form should have been used. |  |  |  |  | Reviewer Comment (2025-03-19): Received, Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form.<br>Seller Comment (2025-03-18): Comment from [redacted] (Guaranteed Rate): NORC on correct form |  | 03/19/2025 |  | 2 C B |  | 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 B | Non QM | Non QM | No |
| [Redacted] | 1121325 | [Redacted] |  | 33809127 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on[Redacted]incorrectly disclosed whether property taxes are included in escrow. | Final Closing Disclosure provided on[Redacted] incorrectly disclosed whether property taxes are included in escrow. |  |  |  | Reviewer Comment (2025-03-20): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-03-18): Comment from[redacted](Guaranteed Rate): PCCD<br>Reviewer Comment (2025-03-18): [redacted] received Final CD and escrow waiver. However, the issue relates to page [redacted]of the Final CD under Estimated Taxes, Insurance & Assessments that has Property Taxes marked and the In Escrow? question that "Some" are included in escrow. Based on file documentation, no property taxes are being included in escrow and In Escrow? question would be NO. Corrected CD & LOE to borrower to correct.<br>Seller Comment (2025-03-17): Comment from [redacted] (Guaranteed Rate): CLOSING CD AND ESC WAIVER |  | 03/20/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | No |
| [Redacted] | 1121325 | [Redacted] |  | 33809129 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-03-14): Accepted as is. |  |  | 03/14/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | 1121358 | [Redacted] |  | 33809144 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | The file was missing a copy of Purchase Agreement/Sales Contract. |  |  |  | Reviewer Comment (2025-03-17): Received, Clearing.<br>Seller Comment (2025-03-17): Comment from [redacted] ([redacted]Mortgage): Please see attached sales contract | 03/17/2025 |  |  | 1 D A |  | NY | Primary | Purchase | D A | Non QM | Non QM | No |
| [Redacted] | 1121358 | [Redacted] |  | 33809146 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] Sufficient or excess cure was provided to the borrower at Closing. | Cure was provided |  |  |  | Reviewer Comment (2025-03-17): Sufficient Cure Provided At Closing |  | 03/17/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| [Redacted] | 1121244 | [Redacted] |  | 33809147 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence [Redacted] Lien | TRID Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page[Redacted] | Sellers Final Closing Disclosure provided did not disclose Seller Paid Fees. |  |  |  | Reviewer Comment (2025-03-19): Upon further review, the seller is the builder and no fees were paid in the transaction by the seller.<br>Buyer Comment (2025-03-18): Comment from[redacted] (Guaranteed Rate): There were no seller side figures this was all borrower paid, please clear or advise further. | 03/19/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| [Redacted] | 1121244 | [Redacted] |  | 33809148 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-17): Sufficient Cure Provided At Closing |  | 03/17/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| [Redacted] | 1121244 | [Redacted] |  | 33809149 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-17): Sufficient Cure Provided At Closing |  | 03/17/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| [Redacted] | 1121244 | [Redacted] |  | 33809150 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure:[Redacted] Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-17): Sufficient Cure Provided At Closing |  | 03/17/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| [Redacted] | 1121244 | [Redacted] |  | 33809151 |  | Compliance | Compliance | Federal Compliance | TRID | TRID[Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-17): Sufficient Cure Provided At Closing |  | 03/17/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| [Redacted] | 1121244 | [Redacted] |  | 33809152 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-17): Sufficient Cure Provided At Closing |  | 03/17/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| [Redacted] | 1121244 | [Redacted] |  | 33809154 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-03-17): Client elects to waive |  |  | 03/17/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121323 | [Redacted] |  | 33809160 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  | Reviewer Comment (2025-03-17): Client elects to waive |  |  | 03/17/2025 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redacted] | 1121346 | [Redacted] |  | 33809166 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | The File was missing Evidence of Access to Funds for Business Account #[redacted]. |  |  |  | Reviewer Comment (2025-03-20): Received, Clearing.<br>Seller Comment (2025-03-20): Comment from [redacted] (Guaranteed Rate): See attached | 03/20/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A | N/A | N/A | No |
| [Redacted] | 1121346 | [Redacted] |  | 33809168 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | The file was missing a copy of Insurance Verification, Statement and Tax Verification for [redacted][redacted], [redacted], [redacted]. |  |  |  | Reviewer Comment (2025-03-26): Updated [redacted] and [redacted]received<br>Seller Comment (2025-03-26): Comment from [redacted](Guaranteed Rate): My apologies. Looks like the [redacted]was updated but the [redacted]did not update. Please see attached.<br>Reviewer Comment (2025-03-24): Property is still listed on [redacted]provided as Primary Residence. No changes to [redacted]provided, as well. Please provide REO docs for current Primary. Exception remains.<br>Seller Comment (2025-03-24): Comment from [redacted](Guaranteed Rate): updated [redacted]/[redacted]attached<br>Reviewer Comment (2025-03-24): Expenses for the property [redacted] [redacted] is included in [redacted]and [redacted]so please please provide supporting documents or revised [redacted]and [redacted]application. Exception remains.<br>Seller Comment (2025-03-21): Comment from [redacted] (Guaranteed Rate): Hello. Borrower did not purchase [redacted] . Withdrew application. I am not sure what other documentation you need?<br>Reviewer Comment (2025-03-20): No documents received for this property.<br>Seller Comment (2025-03-20): Comment from [redacted] (Guaranteed Rate): see attached | 03/26/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A | N/A | N/A | No |
| [Redacted] | 1121285 | [Redacted] |  | 33809172 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | The file is missing the closing statement, tax verification and insurance verification for [redacted]. |  |  |  | Reviewer Comment (2025-03-19): Received Closing Disclosure for property [redacted][redacted], [redacted], [redacted]and taxes and insurance are escrowed. Exception cleared.<br>Seller Comment (2025-03-19): Comment from[redacted] [redacted]): [redacted]- See attached CD supporting amount we used to qualify. | 03/19/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
| [Redacted] | 1121289 | [Redacted] |  | 33809174 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-03-18): Accepted as is. |  |  | 03/18/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121289 | [Redacted] |  | 33809175 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | The file was missing a copy of Insurance Verification |  |  |  | Reviewer Comment (2025-03-19): Received, Clearing.<br>Buyer Comment (2025-03-19): Comment from [redacted] ([redacted]Mortgage): Please refer to the mortgage coupon on file for this property with [redacted]confirming borrower is not on the mortgage and is not responsible for the mortgage payments which include taxes and insurance. | 03/19/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121289 | [Redacted] |  | 33809178 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XXXX <br> Disaster End Date: XXXX<br> Disaster Name: XXXX<br> Disaster Declaration Date: XXXX |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted]. | SitusAMC | Reviewer Comment (2025-03-18): Property inspected post disaster but pre-FEMA declaration of disaster end date. |  |  | 03/18/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121377 | [Redacted] |  | 33809187 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | The file was missing a proof of insurance Verification for [redacted][redacted], [redacted], [redacted]. |  |  |  | Reviewer Comment (2025-03-21): Cleared- insurance is escrowed<br>Buyer Comment (2025-03-21): Comment from [redacted] ([redacted]): Exception is invalid. Per guidelines, when mortgage statement shows taxes and insurance are escrowed, this is sufficient to confirm amount of taxes and insurance. Mortgage statement on page [redacted]shows taxes and insurance are escrowed. HOA documentation to show HOA dues is on page [redacted]. No additional documentation needed. | 03/21/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | 1121377 | [Redacted] |  | 33809188 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | The file was missing a proof of Insurance Verification for [redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received, Clearing.<br>Seller Comment (2025-03-25): Comment from [redacted] ([redacted]): Please see the attached internal screenshots showing broker confirmation of no HOI. Broker confirmation is acceptable as LOX as they work on behalf of the borrower. Please clear<br>Reviewer Comment (2025-03-21): Provide letter of explanation from the borrower indicating they do not carry insurance on the property.<br>Buyer Comment (2025-03-21): Comment from[redacted] ([redacted]): Exception is invalid. Property is owned free and clear, and does not have insurance. Lender guidelines require .[redacted]% of the property value be used in lieu of HOI when the client states they do not have HOI on a free and clear property. Taxes and HOA documentation are in loan file. No additional documentation needed. | 03/26/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | 1121297 | [Redacted] |  | 33809190 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-03-21): Client elects to waive |  |  | 03/21/2025 | 2 B |  | VT | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 1121297 | [Redacted] |  | 33809191 |  | 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 ([redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least ([redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2025-03-25): [redacted] received disclosure tracking for initial CD.<br>Seller Comment (2025-03-24): Comment from [redacted]: CD issued on[redacted] Loan closed [redacted] | 03/25/2025 |  |  | 1 C A |  | VT | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 1121518 | [Redacted] |  | 33809193 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant ([redacted]) business days prior to consummation. | Appraisal acknowledgement not provided in file prior [redacted]days of closing. |  |  |  | Reviewer Comment (2025-03-21): Client elects to waive<br>Seller Comment (2025-03-21): Comment from [redacted] Appraisal Acknowledgement |  |  | 03/21/2025 | 2 B |  | WA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| [Redacted] | 1121518 | [Redacted] |  | 33809195 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | Missing tax verification. |  |  |  | Reviewer Comment (2025-03-23): Received Tax Verification for [redacted]. Exception cleared.<br>Seller Comment (2025-03-21): Comment from [redacted][redacted]([redacted]: [redacted][redacted] Property Tax Certificate | 03/23/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| [Redacted] | 1121518 | [Redacted] |  | 33809196 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | Tax verification is missing. |  |  |  | Reviewer Comment (2025-03-26): Received Tax certificate and updated Final 1003 with correct property address. Exception cleared.<br>Seller Comment (2025-03-25): Comment from [redacted] ([redacted]Finance, Inc.): [redacted] is a legal duplex - Address has been updated with corrected amounts.<br>Reviewer Comment (2025-03-23): Received Tax Verification for [redacted]. Please provide Tax verification for[redacted] Exception remains.<br>Seller Comment (2025-03-21): Comment from [redacted][redacted]([redacted]: [redacted][redacted]property tax certificate | 03/26/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| [Redacted] | 1121518 | [Redacted] |  | 33809197 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | Lease agreement is missing. |  |  |  | Reviewer Comment (2025-03-26): As per updated Final 1003 received, rental income for the property [redacted]S [redacted]Street, [redacted], [redacted] is not included in DTI. Hence, Lease Agreement is not required. Exception cleared.<br>Seller Comment (2025-03-25): Comment from [redacted] ([redacted]: Updated 1003<br>Reviewer Comment (2025-03-24): Please provide Borrower signed copy of updated final 1003. Exception remains.<br>Seller Comment (2025-03-21): Comment from [redacted] ([redacted]: Updated [redacted]- removing lease agreement | 03/26/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| [Redacted] | 1121385 | [Redacted] |  | 33809212 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  | Reviewer Comment (2025-03-21): Client elects to waive |  |  | 03/21/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121385 | [Redacted] |  | 33809214 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. | Seller paid fees on seller's closing disclosure are not consistent with those reflected on the borrower's final closing disclosure |  |  |  | Reviewer Comment (2025-03-25): Transaction is a purchase form builder, no seller fees.<br>Buyer Comment (2025-03-24): Comment from [redacted] ([redacted]): Please see the seller's CD on page [redacted]-[redacted]. It discloses no seller paid fees except for prorations which does not appear on Final Borrower CD page 2. Please clear this condition as it is invalid. | 03/25/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| [Redacted] | 1121351 | [Redacted] |  | 33809224 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Final Closing Disclosure provided on [redacted] disclosed an Initial Escrow Payment of $[redacted]. |  |  |  | Reviewer Comment (2025-03-24): Accepted as is per client. |  |  | 03/24/2025 | 2 B |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| [Redacted] | 1121351 | [Redacted] |  | 33809228 |  | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided |  | A legal description was not received. |  |  |  | Reviewer Comment (2025-03-25): Received, Clearing.<br>Seller Comment (2025-03-25): Comment from [redacted] ([redacted]Mortgage): The legal description is listed on the page 3 of the deed of trust. | 03/25/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121525 | [Redacted] |  | 33809231 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-24): Sufficient Cure Provided At Closing |  | 03/24/2025 |  | 1 A |  | MN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121525 | [Redacted] |  | 33809232 |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] Tangible Net Benefit Disclosure | [redacted] Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower. | Tangible Net Benefit Disclosure is missing. |  |  |  | Reviewer Comment (2025-03-24): Accepted as is per client. |  |  | 03/24/2025 | 2 B |  | MN | Primary | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121420 | [Redacted] |  | 33809238 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted]%. Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Mortgage Loan. Compliance Report in file reflects an Alert Status for Higher Priced. |  |  |  | Reviewer Comment (2025-04-07): Received, Clearing. | 04/07/2025 |  |  | 1 A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redacted] | 1121420 | [Redacted] |  | 33809242 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate document reflect subject property address as [redacted] [redacted], [redacted] [redacted]-[redacted], however Note and Security instrument property address as [redacted], [redacted], [redacted][redacted]. City name discrepancy. |  |  |  | Reviewer Comment (2025-04-07): Received, Clearing.<br>Seller Comment (2025-04-07): Comment from [redacted][redacted]: flood cert | 04/07/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redacted] | 1121528 | [Redacted] |  | 33809248 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Revised Loan Estimate provided on[redacted] not received by borrower at least ([redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2025-04-10): [Redacted] received proof of earlier electronic receipt<br>Seller Comment (2025-04-09): Comment from [redacted]: [redacted][redacted] Please see the attached TRID Disclosure History and initial Loan Estimate that shows the borrower was sent the initial Loan Estimate on [redacted] and consented to it on [redacted]. This meets the [redacted] days prior to closing on [redacted] | 04/10/2025 |  |  | 1 C A |  | GA | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| [Redacted] | 1121414 | [Redacted] |  | 33809251 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant ([redacted]) business days prior to consummation. | Receipt of Appraisal Without Waiver not provided |  |  |  | Reviewer Comment (2025-04-02): Accepted as is. |  |  | 04/02/2025 | 2 B |  | NV | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redacted] | 1121516 | [Redacted] |  | 33809258 |  | 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 ([redacted]) business days prior to closing. | Initial Closing Disclosure not provided at least ([redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2025-04-10): [redacted] received initial CD.<br>Seller Comment (2025-04-09): Comment from [redacted]: [redacted][redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [redacted] and consented to it on [redacted]. This meets the [redacted] business days before the closing date [redacted] | 04/10/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| [Redacted] | 1121452 | [Redacted] |  | 33809263 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-04-02): Accepted as is. |  |  | 04/02/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121452 | [Redacted] |  | 33809264 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-04-02): Accepted as is. |  |  | 04/02/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121452 | [Redacted] |  | 33809266 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted] % or $[redacted]. Insufficient or no cure was provided to the borrower. | No cure was provided. |  |  |  | Reviewer Comment (2025-04-11): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-04-09): Comment from Purchase Clearing [redacted]): [redacted] Manager LOE Borrower Cost To Cure and Closing Disclosure Refund or Restitution Package.<br>Reviewer Comment (2025-04-04): [redacted] received Changed Circumstance dated[redacted], but it does not give sufficient information on why the Recording fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-04-03): Comment from Purchase Clearing ([redacted] : Changed Circumstances Record. |  | 04/11/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| [Redacted] | 1121452 | [Redacted] |  | 33809267 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | No cure was provided. |  |  |  | Reviewer Comment (2025-04-04): [redacted] received a valid COC.<br>Seller Comment (2025-04-03): Comment from Purchase Clearing ([redacted]: Changed Circumstances Record. | 04/04/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| [Redacted] | 1121452 | [Redacted] |  | 33809268 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-04-02): Accepted as is. |  |  | 04/02/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121452 | [Redacted] |  | 33809269 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide additional payment for [redacted] [redacted], [redacted] months payments required. |  |  |  | Reviewer Comment (2025-04-04): Received, Clearing.<br>Seller Comment (2025-04-03): Comment from Purchase Clearing ([redacted]: Evidence of (redacted] Months Bank Statements). | 04/04/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121569 | [Redacted] |  | 33809270 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [redacted] [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-04-07): Accepted as is. |  |  | 04/07/2025 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redacted] | 1121521 | [Redacted] |  | 33809275 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | No cure was provided to the borrower . |  |  |  | Reviewer Comment (2025-04-16): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-04-15): Comment from [redacted] ([redacted]): attached<br>Reviewer Comment (2025-04-15): [redacted]; The COC that was provided in the trailing images was an already available in the file indicates that [redacted] fee added per UW conditions. However, the appraisal report completed on [redacted] with subject to repair and triggering the need to disclose all applicable fees within [redacted]business day timeline and the fee not disclosed to borrower within that timeline. If there was an additional reason the fees added, we will need the additional information and to provide information supporting lender's knowledge of when they became aware of the fee or Cure is due to borrower.<br>Seller Comment (2025-04-11): Comment from [redacted] ([redacted]: cic [redacted]<br>Reviewer Comment (2025-04-11): [redacted]received COC dated [redacted]. However, appraisal report with provided disclosure completed on [redacted] with subject to repairs, but the reinspection fee was not added until [redacted]. This is outside of the required [redacted] - day timeline for notification of borrower. Cure is required.<br>Seller Comment (2025-04-09): Comment from [redacted] ([redacted]): cic |  | 04/16/2025 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| [Redacted] | 1121521 | [Redacted] |  | 33809276 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | No cure was provided to the borrower . |  |  |  | Reviewer Comment (2025-04-11): [redacted]received valid Changed circumstance.<br>Seller Comment (2025-04-09): Comment from [redacted] ([redacted]): coc | 04/11/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| [Redacted] | 1121521 | [Redacted] |  | 33809278 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | XXXX | The file is missing copy of E-sign document . |  |  |  | Reviewer Comment (2025-04-09): Received, Clearing.<br>Seller Comment (2025-04-09): Comment from [redacted] ([redacted]): esign | 04/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121521 | [Redacted] |  | 33809279 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-04-09): Received, Clearing.<br>Seller Comment (2025-04-09): Comment from [redacted] ([redacted]): fraud | 04/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121521 | [Redacted] |  | 33809280 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | XXXX |  |  |  |  | Reviewer Comment (2025-04-09): Received, Clearing.<br>Seller Comment (2025-04-09): Comment from [redacted] ([redacted]): credit report | 04/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121521 | [Redacted] |  | 33809281 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing rate lock document. |  |  |  | Reviewer Comment (2025-04-09): Received, Clearing.<br>Seller Comment (2025-04-09): Comment from [redacted] [redacted]: lock | 04/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121581 | [Redacted] |  | 33809293 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood Certificate is Missing |  |  |  | Reviewer Comment (2025-04-10): Received Flood Certificate. Exception cleared.<br>Seller Comment (2025-04-10): Comment from [redacted] ([redacted] [redacted]): Please see attached | 04/10/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121581 | [Redacted] |  | 33809295 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence [redacted]Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. | Seller CD is Missing |  |  |  | Reviewer Comment (2025-04-11): [redacted]received Seller CD<br>Seller Comment (2025-04-10): Comment from [redacted] ([redacted]): PLease see attached | 04/11/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121581 | [Redacted] |  | 33809296 |  | 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 [redacted]([redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2025-04-11): [redacted]received [redacted]CD [redacted] business days prior to consummation.<br>Seller Comment (2025-04-10): Comment from [redacted] ([redacted]): PLease see attached Initial CD | 04/11/2025 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121441 | [Redacted] |  | 33809300 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the [redacated] in file. | The Title Policy Amount of $[redacted]is less than the note amount of $[redacted]based on the Commitment in file. |  |  |  | Reviewer Comment (2025-04-09): Accepted as is. |  |  | 04/09/2025 | 2 B |  | SC | Investment | Refinance - Cash-out - Other | B A | N/A | Non QM | No |
| [Redacted] | 1121444 | [Redacted] |  | 33809305 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | XXXX | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-04-10): Received, Clearing.<br>Seller Comment (2025-04-10): Comment from Purchasing Team ([redacted]): ESIGN CONSENT FORM | 04/10/2025 |  |  | 1 C A |  | IA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121444 | [Redacted] |  | 33809306 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | The appraisal was not provided to the borrower within [redacted]business days of the note date. |  |  |  | Reviewer Comment (2025-04-09): Accepted as is. |  |  | 04/09/2025 | 2 B |  | IA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redacted] | 1121444 | [Redacted] |  | 33809307 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted]Underdisclosed - [redacted] [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted]of [redacted]on Final Closing Disclosure provided on [redacted] are underdisclosed. | Non escrowed property costs are $[redacted]per year however, the final CD reflects $[redacted] |  |  |  | Reviewer Comment (2025-04-14): [redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-04-11): Comment from Purchasing Team ([redacted]): LOE<br>Reviewer Comment (2025-04-11): [redacted]received corrected PCCD. Missing copy of LOE to borrower which accompanied the PCCD to finalize cure.<br>Seller Comment (2025-04-10): Comment from Purchasing Team ([redacted].): FINAL CD |  | 04/14/2025 |  | 2 C B |  | IA | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| [Redacted] | 1121444 | [Redacted] |  | 33809308 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-09): Sufficient Cure Provided At Closing |  | 04/09/2025 |  | 1 A |  | IA | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| [Redacted] | 1121444 | [Redacted] |  | 33809309 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-09): Sufficient Cure Provided At Closing |  | 04/09/2025 |  | 1 A |  | IA | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| [Redacted] | 1121532 | [Redacted] |  | 33809323 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-04-09): Accepted as is. |  |  | 04/09/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redacted] | 1121543 | [Redacted] |  | 33809326 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided from Final CD |  |  |  | Reviewer Comment (2025-04-09): Sufficient Cure Provided At Closing |  | 04/09/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| [Redacted] | 1121543 | [Redacted] |  | 33809327 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided from Final CD |  |  |  | Reviewer Comment (2025-04-09): Sufficient Cure Provided At Closing |  | 04/09/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| [Redacted] | 1121543 | [Redacted] |  | 33809328 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided from Final CD |  |  |  |  |  | 04/09/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| [Redacted] | 1121531 | [Redacted] |  | 33809334 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | No Cure Provided. |  |  |  | Reviewer Comment (2025-04-14): [redacted]received rebuttal and documents suffice.<br>Buyer Comment (2025-04-11): Comment from [redacted] ([redacted]): Initial LE disclosed a Mortgage fee of $[redacted]and a release fee of $[redacted]. The final CD shows $[redacted]Mortgage Fee, and the $[redacted]release fee was removed. No fees increased they actually decreased.<br>Reviewer Comment (2025-04-11): [redacted]received itemization and LOE with fee bifurcation of recording and transfer tax. However, the recording fee was increased from $[redacted]to $[redacted]for which no COC was provided in file. A valid COC or cure is required.<br>Seller Comment (2025-04-10): Sufficient Cure Provided At Closing | 04/14/2025 |  |  | 1 C A |  | NY | 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 | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121531 | [Redacted] |  | 33809336 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing. |  |  |  | Reviewer Comment (2025-04-10): Received Fraud Report. Exception cleared.<br>Seller Comment (2025-04-10): Comment from [redacted] [redacted]): Please see attached Drive/Fraud report | 04/10/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redacted] | 1121480 | [Redacted] |  | 33809339 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | XXXX |  |  |  |  | Reviewer Comment (2025-04-14): Received E-Sign Consent Agreement. Exception cleared.<br>Seller Comment (2025-04-11): Comment from [redacted]([redacted] [redacted[redacted].): Please see attached | 04/14/2025 |  |  | 1 C A |  | IL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | 1121540 | [Redacted] |  | 33809341 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Sufficient cure not provided |  |  |  | Reviewer Comment (2025-04-16): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-04-15): Comment from [redacted] ([redacted].): LOX | 04/16/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | Non QM | No |
| [Redacted] | 1121540 | [Redacted] |  | 33809342 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank [redacted]): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted](c)([redacted]). |  |  |  |  | Reviewer Comment (2025-04-10): Accepted as is. |  |  | 04/10/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | C B A | N/A | Non QM | No |
| [Redacted] | 1121540 | [Redacted] |  | 33809343 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-16): Sufficient Cure Provided At Closing |  | 04/16/2025 |  | 1 A |  | NY | Investment | Refinance - Cash-out - Other | Final CD evidences Cure B A | N/A | Non QM | No |
| [Redacted] | 1121445 | [Redacted] |  | 33809350 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-04-11): Client elects to waive |  |  | 04/11/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redacted] | 1121445 | [Redacted] |  | 33809352 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-04-11): Sufficient Cure Provided At Closing |  | 04/11/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | No |
| [Redacted] | 1121445 | [Redacted] |  | 33809353 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-04-11): Sufficient Cure Provided At Closing |  | 04/11/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | No |
| [Redacted] | 1121513 | [Redacted] |  | 33809369 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on[redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Reviewer Comment (2025-04-11): Accepted as is per client |  |  | 04/11/2025 | 2 B |  | CA | Primary | Purchase | Good Faith Redisclosure B A | Non QM | Non QM | No |
| [Redacted] | 1121398 | [Redacted] |  | 33809387 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | Missing insurance verification. |  |  |  | Reviewer Comment (2025-04-15): Received Insurance Verification. Exception cleared.<br>Seller Comment (2025-04-14): Comment from [redacted): Please see the complete HOI declarations for this property, attached. | 04/15/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redacted] | 1121401 | [Redacted] |  | 33809390 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-15): [redacted]received rebuttal is sufficieint<br>Buyer Comment (2025-04-14): Comment from [redacted] [redacted] ([redacted]): Please provide clarity; the total lender credits for this loan is $[redacted], not $[redacted]. | 04/15/2025 |  |  | 1 C A |  | NJ | 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 | No |
| [Redacted] | 1121484 | [Redacted] |  | 33809395 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule ([redacted] -[redacted] [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements |  |  |  | Reviewer Comment (2025-04-11): Client elects to waive |  |  | 04/11/2025 | 2 B |  | IL | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redacted] | 1121484 | [Redacted] |  | 33809398 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Private party VOR provided for rental history. | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-11): Client elected to waive/regrade with compensating factors. Lender exception provided. |  |  | 04/11/2025 | 2 B |  | IL | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redacted] | 1121406 | [Redacted] |  | 33809400 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted] was not provided. | XXXX | Appraisal was made subject to and [redacted]is not in images. |  |  |  | Reviewer Comment (2025-04-14): [redacted]provided. Cleared.<br>Seller Comment (2025-04-14): Comment from [redacted] [redacted]): See Attached | 04/14/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| [Redacted] | 1121533 | [Redacted] |  | 33809404 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-[redacted]/Final Closing Disclosure. |  |  |  |  | Reviewer Comment (2025-04-14): Client elects to waive |  |  | 04/14/2025 | 2 B |  | CO | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | No |
| [Redacted] | 1121164 | [Redacted] |  | 33809406 |  | Compliance | Compliance | Federal Compliance | TILA | TILA - Impermissible Prepayment Penalty | Truth in Lending Act ([REDACTED]): Covered transaction contains impermissible prepayment penalty. | Cash-Out Refinances of investment properties where we are unable to determine that the cash-out proceeds are being used for business purposes. If the purpose is truly not a business purpose then the exception is valid and the loan can be downgraded by the lender removing the prepayment provision on the loan through a Prepay Addendum to the borrower. We would require an LOE, Prepay Addendum removing the prepay, and proof of delivery. If there is a true business purpose, then we would need a business purpose cert or an LOE that explains the business purpose and an explanation of how the prior LOE wasn't correct. |  |  |  | Reviewer Comment (2024-10-14): Received business purpose cert and LOE<br>Reviewer Comment (2024-10-04): We are still missing the Prepayment Penalty Disclosure Requirements<br> · If the loan contains a prepayment penalty, the creditor must offer the consumer an alternative<br> transaction:<br> · ([redacted]) with no prepayment penalty; and<br> · ([redacted]) containing the following criteria:<br> · The APR does not increase after consummation;<br> · The same type of interest rate (e.g., fixed-rate or step-rate) as the interest rate on<br> the mortgage with the prepayment penalty;<br> · The same loan term as the [redacted] on the mortgage with the prepayment penalty;<br> · regular periodic payments that are substantially equal;<br> · satisfies the qualified-mortgage limitations on points and fees; and<br> · The creditor has a good-faith belief that the consumer is likely to qualify for the<br> alternative mortgage without the prepayment penalty.<br>Seller Comment (2024-10-03): Comment from [REDACTED] ([REDACTED] - On[REDACTED]): PCCD<br>Reviewer Comment (2024-10-03): Ability to Repay rule -- Prepayment Penalty Disclosure Requirements<br> · If the loan contains a prepayment penalty, the creditor must offer the consumer an alternative<br> transaction:<br> · ([redacted]) with no prepayment penalty; and<br> · ([redacted]) containing the following criteria:<br> · The APR does not increase after consummation;<br> · The same type of interest rate (e.g., fixed-rate or step-rate) as the interest rate on<br> the mortgage with the prepayment penalty;<br> · The same loan term as the one on the mortgage with the prepayment penalty;<br> · regular periodic payments that are substantially equal;<br> · satisfies the qualified-mortgage limitations on points and fees; and<br> · The creditor has a good-faith belief that the consumer is likely to qualify for the<br> alternative mortgage without the prepayment penalty.<br>We are missing the Prepayment Penalty Disclosure.<br>Buyer Comment (2024-10-02): Comment from [REDACTED] ([REDACTED] - On[REDACTED]): FINAL CD : State as High as [REDACTED] which is still [REDACTED] % of the loan - It does not state an actual<br>Reviewer Comment (2024-10-02): Final CD reflects max PPP is [REDACTED].<br>Buyer Comment (2024-10-01): Comment from [REDACTED] ([REDACTED] -[REDACTED]): PPP meets the requirements since it is only a [REDACTED] . [REDACTED] = [REDACTED]. That is less than [REDACTED] | 10/14/2024 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| [Redacted] | 1121164 | [Redacted] |  | 33809407 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepayment Penalty Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [REDACTED] with a prepayment payment disclosed the maximum prepayment penalty amount that does not match the actual maximum amount for the loan. | The Maximum prepayment penalty based on the note addendum is $[REDACTED]however, the CD reflects it is $[REDACTED]. |  |  |  | Reviewer Comment (2024-10-01): Accepted as is. |  |  | 10/01/2024 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | No |
| [Redacted] | 1121178 | [Redacted] |  | 33809418 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | XXXX | Insurance Verification, Statement, Tax documents is missing for[REDACTED]. |  |  |  | Reviewer Comment (2024-11-29): Received, Clearing.<br>Seller Comment (2024-11-29): Comment from [REDACTED] ([REDACTED]): [REDACTED] - Loan was rejected by [REDACTED] after closing of this loan, the borrower did not purchase the property. See attached [redacted] letter. | 11/29/2024 |  |  | 1 C A |  | MN | Investment | Purchase | C A | N/A | N/A | No |
| [Redacted] | 1115876 | [Redacted] |  | 33980054 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[redacted]is less than the note amount of $[redacted]based on the Commitment in file. Please provide updated title policy or title supplemental report in the file. |  |  |  | Reviewer Comment (2025-03-05): Updated title provided<br>Buyer Comment (2025-02-28): updated title uploaded. | 03/05/2025 |  |  | 1 B A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redacted] | 1115876 | [Redacted] |  | 33980055 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The Fraud Report is missing for the borrower entity. |  |  |  | Reviewer Comment (2025-03-05): Fraud report provided<br>Buyer Comment (2025-02-28): fraud report uploaded. | 03/05/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redacted] | 1115876 | [Redacted] |  | 33980056 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | The current vested on title is[redacted], which is not the guarantor or borrower. No documentation in file to confirm the borrower or guarantor owns this entity. The loan is a refinance. |  |  |  | Reviewer Comment (2025-03-06): Deed to be recorded reflecting on schedule B part [redacted], exception cleared.<br>Buyer Comment (2025-03-05): title reflecting change from [redacted] [redacted] to [redacted] attached<br>Buyer Comment (2025-03-05): Property was vested in [redacted], switching to[redacted]. [redacted] Attached, title to follow | 03/06/2025 |  |  | 1 A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |

---

## Exhibit 99.1

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.1 - Schedule 3**

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 7/30/2025 12:55:00 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** |
| [Redacted} | 1000509 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1025655 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1025693 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1025727 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1025792 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1117010 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1094785 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| [Redacted} | 1121176 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121184 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| [Redacted} | 1121225 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redacted} | 1121274 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| [Redacted} | 1121217 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121206 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| [Redacted} | 1121270 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| [Redacted} | 1121215 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.10 |
| [Redacted} | 1121342 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121290 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.90 |
| [Redacted} | 1121403 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121360 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121246 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redacted} | 1121292 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121287 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted} | 1121313 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121288 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| [Redacted} | 1121331 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| [Redacted} | 1121355 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.30 |
| [Redacted} | 1121269 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121344 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redacted} | 1121413 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121386 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121291 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted} | 1121307 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redacted} | 1121366 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [Redacted} | 1121320 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| [Redacted} | 1121327 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.70 |
| [Redacted} | 1121389 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted} | 1121353 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redacted} | 1121468 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121296 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121396 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121384 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| [Redacted} | 1121350 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [Redacted} | 1121260 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [Redacted} | 1121443 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121422 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121347 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [Redacted} | 1121407 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121329 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.00 |
| [Redacted} | 1121410 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121485 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [Redacted} | 1121450 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redacted} | 1121451 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted} | 1121519 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [Redacted} | 1121365 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121391 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121372 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| [Redacted} | 1121515 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121421 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121490 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121418 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121330 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121319 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121423 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| [Redacted} | 1121352 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.20 |
| [Redacted} | 1121310 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121314 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| [Redacted} | 1121496 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -6.061% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121177 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [Redacted} | 1121446 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| [Redacted} | 1121415 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Appraisal | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| [Redacted} | 1121558 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [Redacted} | 1121572 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121582 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121489 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| [Redacted} | 1121580 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -4.348% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.90 |
| [Redacted} | 1121527 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| [Redacted} | 1121416 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [Redacted} | 1121570 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121412 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| [Redacted} | 1121449 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.30 |
| [Redacted} | 1121526 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121517 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.80 |
| [Redacted} | 1121529 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| [Redacted} | 1121571 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -1.639% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121586 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121394 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -6.667% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121583 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121368 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.20 |
| [Redacted} | 1121520 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted} | 1121488 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.70 |
| [Redacted} | 1121579 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted} | 1121585 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121584 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121534 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121491 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121587 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121545 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [Redacted} | 1121308 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| [Redacted} | 1121411 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [Redacted} | 1121379 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Stated | XXXX | XXXX | XXXX |  | XXXX | XXXX | 50.937% | XXXX | XXXX | AVM | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121393 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted} | 1121494 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121369 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [Redacted} | 1121453 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121387 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.70 |
| [Redacted} | 1121388 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Stated | XXXX | XXXX | XXXX |  | XXXX | XXXX | 16.801% | XXXX | XXXX | AVM | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121399 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redacted} | 1121380 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| [Redacted} | 1121382 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted} | 1121481 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
| [Redacted} | 1121404 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [Redacted} | 1121417 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted} | 1121495 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [Redacted} | 1121408 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redacted} | 1121530 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [Redacted} | 1121555 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| [Redacted} | 1121588 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| [Redacted} | 1121185 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redacted} | 1121188 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Stated | XXXX | XXXX | XXXX |  | XXXX | XXXX | 3.516% | XXXX | XXXX | AVM | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121261 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121252 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redacted} | 1121259 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [Redacted} | 1121220 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted} | 1121250 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.30 |
| [Redacted} | 1121245 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [Redacted} | 1121306 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.40 |
| [Redacted} | 1121258 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121277 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [Redacted} | 1121235 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redacted} | 1121263 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 5.00 |
| [Redacted} | 1121309 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121312 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [Redacted} | 1121249 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121262 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| [Redacted} | 1121317 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| [Redacted} | 1121251 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redacted} | 1121275 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -0.816% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121305 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted} | 1121367 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [Redacted} | 1121371 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121357 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redacted} | 1121364 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121343 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121286 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [Redacted} | 1121447 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| [Redacted} | 1121409 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| [Redacted} | 1121448 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redacted} | 1121326 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [Redacted} | 1121332 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [Redacted} | 1121316 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121293 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted} | 1121469 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [Redacted} | 1121284 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.70 |
| [Redacted} | 1121374 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [Redacted} | 1121268 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121295 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [Redacted} | 1121247 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| [Redacted} | 1121419 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.80 |
| [Redacted} | 1121311 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| [Redacted} | 1121356 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121328 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [Redacted} | 1121492 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121373 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121294 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121392 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.10 |
| [Redacted} | 1121325 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redacted} | 1121283 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [Redacted} | 1121354 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redacted} | 1121358 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted} | 1121244 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121467 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted} | 1121323 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.70 |
| [Redacted} | 1121402 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| [Redacted} | 1121346 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121285 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121289 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [Redacted} | 1121383 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redacted} | 1121377 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted} | 1121297 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redacted} | 1121518 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| [Redacted} | 1121376 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| [Redacted} | 1121400 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [Redacted} | 1121276 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| [Redacted} | 1121385 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| [Redacted} | 1121397 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| [Redacted} | 1121351 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redacted} | 1121525 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redacted} | 1121390 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redacted} | 1121420 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
| [Redacted} | 1121528 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redacted} | 1121414 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [Redacted} | 1121516 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted} | 1121452 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.554% | XXXX | XXXX | Appraisal | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| [Redacted} | 1121569 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redacted} | 1121521 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [Redacted} | 1121544 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.00 |
| [Redacted} | 1121405 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [Redacted} | 1121581 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -2.375% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.40 |
| [Redacted} | 1121441 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.50 |
| [Redacted} | 1121523 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121444 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.80 |
| [Redacted} | 1121532 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121543 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted} | 1121531 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redacted} | 1121480 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.70 |
| [Redacted} | 1121540 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -6.780% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.10 |
| [Redacted} | 1121445 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.70 |
| [Redacted} | 1121524 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [Redacted} | 1121482 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| [Redacted} | 1121513 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [Redacted} | 1121522 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted} | 1121556 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.20 |
| [Redacted} | 1121398 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| [Redacted} | 1121401 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [Redacted} | 1121484 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [Redacted} | 1121406 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted} | 1121533 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [Redacted} | 1121164 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -0.741% | XXXX | XXXX | Appraisal | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.00 |
| [Redacted} | 1121178 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX` | XXXX` |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted} | 1115876 | [Redacted] |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX` | XXXX` | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.1

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.1 - Schedule 4**

**Data Compare (Non-Ignored)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| [Redacted] | 1000509 |  |  |  | Borrower First Name | [Redacted] |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1000509 |  |  |  | Borrower SSN | [Redacted] |  | Verified | Field Value verified by application or other documentation in file |
| [Redacted] | 1000509 |  |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | DSCR |
| [Redacted] | 1117010 |  |  |  | Borrower First Name | [Redacted] |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1117010 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1117010 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| [Redacted] | 1117010 |  |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| [Redacted] | 1117010 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redacted] | 1094785 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
| [Redacted] | 1094785 |  |  |  | Margin | 0 |  | Verified | No Margin |
| [Redacted] | 1094785 |  |  |  | Contract Sales Price |  | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redacted] | 1121176 |  |  |  | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | 1121176 |  |  |  | Original Interest Rate | 9.875 | 10.125 | Verified | Field Value reflects the Note value |
| [Redacted] | 1121176 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121176 |  |  |  | Subject Debt Service Coverage Ratio | 1.24 | 1.20 | Verified | $7,800 Income/$6,270.01 PITIA |
| [Redacted] | 1121184 |  |  |  | Original Interest Rate | 8.25 | 7.75 | Verified | Field Value reflects the Note value |
| [Redacted] | 1121184 |  |  |  | Subject Debt Service Coverage Ratio | 0.00 | 0.86 | Verified | Field value reflects source document |
| [Redacted] | 1121225 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121274 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121274 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.08 | Verified | Income $1400.00/ PITIA $1291.22 |
| [Redacted] | 1121217 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121206 |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| [Redacted] | 1121215 |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [Redacted] | 1121215 |  |  |  | Subject Debt Service Coverage Ratio | 0.00 | 0.70 | Verified | $2,900 Income/$4,116.28 PITIA |
| [Redacted] | 1121342 |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121342 |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.03 | Verified | Income $1,400/PITIA $1,361.24 |
| [Redacted] | 1121290 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
| [Redacted] | 1121290 |  |  |  | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redacted] | 1121290 |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.03 | Verified | Income $6950.00/ PITIA $6760.57 |
| [Redacted] | 1121403 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121403 |  |  |  | Subject Debt Service Coverage Ratio | 1.30 | 1.34 | Verified | income $5258.33/ PITIA $3,802.19 |
| [Redacted] | 1121360 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121246 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121246 |  |  |  | Subject Debt Service Coverage Ratio | 1.03 | 1.01 | Verified | Income $1,725 / PITIA $1,711.13 |
| [Redacted] | 1121292 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121292 |  |  |  | Subject Debt Service Coverage Ratio | 1.28 | 1.27 | Verified | Income $9317/PITIA $7,357.88 |
| [Redacted] | 1121287 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | 1121287 |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.09 | Verified | $4300 rental income / $3,939.39 PITIA |
| [Redacted] | 1121313 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Same as Note document's Business entity. |
| [Redacted] | 1121313 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121313 |  |  |  | Subject Debt Service Coverage Ratio | 1.21 | 1.41 | Verified | $3,188 Income/$2,263.63 PITIA |
| [Redacted] | 1121288 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121331 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121355 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | 1121355 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121355 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.03 | Verified | $5500 Income / $5,335.56 PITIA |
| [Redacted] | 1121269 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121269 |  |  |  | Subject Debt Service Coverage Ratio | 1.13 | 1.12 | Verified | $3319.98 PITIA / $3750 rents |
| [Redacted] | 1121413 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121386 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121386 |  |  |  | Subject Debt Service Coverage Ratio | 0.85 | 0.84 | Verified | Income $3000.00/ PITIA $3570.87 |
| [Redacted] | 1121291 |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| [Redacted] | 1121307 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121307 |  |  |  | Subject Debt Service Coverage Ratio | 0.80 | 0.78 | Verified | Income $3350.00/ PITIA $4289.82 |
| [Redacted] | 1121366 |  |  |  | Property Type | Townhouse | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121366 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121366 |  |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.32 | Verified | $2,775 Income / $2,108.81 PITIA/ |
| [Redacted] | 1121327 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | 1121327 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Same as per Note document |
| [Redacted] | 1121353 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121353 |  |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [Redacted] | 1121353 |  |  |  | Subject Debt Service Coverage Ratio | 1.46 | 1.13 | Verified | Income $4,950 / PITIA $4,361.81 |
| [Redacted] | 1121468 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121296 |  |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | dscr |
| [Redacted] | 1121396 |  |  |  | Subject Debt Service Coverage Ratio | 1.44 | 1.45 | Verified | Income $4,550/PITIA $3,141.64 |
| [Redacted] | 1121384 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121384 |  |  |  | Subject Debt Service Coverage Ratio | 1.50 | 1.45 | Verified | Income $4500.00/ PITIA $3102.68 |
| [Redacted] | 1121350 |  |  |  | Subject Debt Service Coverage Ratio | 0.84 | 0.90 | Verified | $2,475 Income / $2,763.00 PITIA |
| [Redacted] | 1121260 |  |  |  | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | 1121260 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redacted] | 1121260 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121443 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redacted] | 1121443 |  |  |  | Subject Debt Service Coverage Ratio | 1.03 | 1.04 | Verified | Income $4,900 / PITIA $4,707.57 |
| [Redacted] | 1121422 |  |  |  | Subject Debt Service Coverage Ratio | 1.28 | 1.30 | Verified | Income $5,000 / PITIA $3,840.56 |
| [Redacted] | 1121347 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121347 |  |  |  | Subject Debt Service Coverage Ratio | 1.07 | 1.08 | Verified | $2,139.18 PITIA / $2,300 Income |
| [Redacted] | 1121407 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121407 |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121407 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.04 | Verified | $1,333.99 PITIA/$1388 Income |
| [Redacted] | 1121329 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121329 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121329 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
| [Redacted] | 1121410 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121410 |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121410 |  |  |  | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [Redacted] | 1121410 |  |  |  | Subject Debt Service Coverage Ratio | 1.57 | 1.58 | Verified | $1,330.59 PITIA/$2100 Income |
| [Redacted] | 1121485 |  |  |  | Subject Debt Service Coverage Ratio | 0.96 | 1.02 | Verified | Income $1,700 / PITIA $1,671.03 |
| [Redacted] | 1121450 |  |  |  | Subject Debt Service Coverage Ratio | 1.06 | 1.04 | Verified | $1,800 Income / $1,723.11 PITIA |
| [Redacted] | 1121451 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121451 |  |  |  | Subject Debt Service Coverage Ratio | 1.04 | 1.02 | Verified | Income $1700.00/ PITIA $1668.15 |
| [Redacted] | 1121519 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | 1121519 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121519 |  |  |  | Subject Debt Service Coverage Ratio | 0.00 | 0.56 | Verified | $7,196.90 PITIA/$4000 Income |
| [Redacted] | 1121391 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121372 |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121372 |  |  |  | Subject Debt Service Coverage Ratio | 1.20 | 1.05 | Verified | $1700 Income / $1,614.69 PITIA |
| [Redacted] | 1121515 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121515 |  |  |  | Representative FICO | 780 | 703 |  |  |
| [Redacted] | 1121515 |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121515 |  |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [Redacted] | 1121421 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121490 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121490 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121330 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121330 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121330 |  |  |  | Original CLTV | 49.9 | 48.19277 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | 1121330 |  |  |  | Original LTV | 49.9 | 48.19277 | Verified | Unable to verify due to missing information |
| [Redacted] | 1121330 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121330 |  |  |  | Subject Debt Service Coverage Ratio | 1.32 | 1.51 | Verified | $1420.56, PITI/$2,150.00, income |
| [Redacted] | 1121319 |  |  |  | Borrower First Name | [Redacted] |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121319 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121319 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121319 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121319 |  |  |  | Subject Debt Service Coverage Ratio | 1.39 | 1.47 | Verified | $2150 Income / $1,461.45 PITIA |
| [Redacted] | 1121423 |  |  |  | Subject Debt Service Coverage Ratio | 0.75 | 0.77 | Verified | $5,658.83 PITIA/$4350 Income |
| [Redacted] | 1121352 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | 1121352 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121352 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121310 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
| [Redacted] | 1121310 |  |  |  | Subject Debt Service Coverage Ratio | 1.19 | 1.17 | Verified | Income $3950.00/ PITIA $3381.44 |
| [Redacted] | 1121314 |  |  |  | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | 1121314 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121314 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redacted] | 1121314 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121314 |  |  |  | Subject Debt Service Coverage Ratio | 0.80 | 0.79 | Verified | $3,418.17 PITIA/ $2,700.00 Income |
| [Redacted] | 1121496 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121496 |  |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.29 | Verified | Income$5,762/PITIA$4,452.35 |
| [Redacted] | 1121177 |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| [Redacted] | 1121177 |  |  |  | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | 1121177 |  |  |  | Representative FICO | 709 | 703 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | 1121177 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121177 |  |  |  | Subject Debt Service Coverage Ratio | 1.20 | 1.35 | Verified | $1,100 Income/$812.61 PITIA |
| [Redacted] | 1121446 |  |  |  | Subject Debt Service Coverage Ratio | 1.14 | 1.10 | Verified | $7000 rental income / $6,370.96 PITIA |
| [Redacted] | 1121415 |  |  |  | PMI Coverage % | 0 |  | Verified | N/A |
| [Redacted] | 1121415 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.07 | Verified | $5,431.67 PITIA/$5785 Income |
| [Redacted] | 1121572 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121582 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121489 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121489 |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 2.09 | Verified | $10,300.75 PITIA/$21,500 Income |
| [Redacted] | 1121580 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Same Company Name |
| [Redacted] | 1121527 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121527 |  |  |  | Subject Debt Service Coverage Ratio | 0.75 | 0.92 | Verified | $6,000 Income/$6,503.47 PITIA |
| [Redacted] | 1121416 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | 1121416 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121416 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.05 | Verified | Income $1375.00/ PITIA $1313.68 |
| [Redacted] | 1121570 |  |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.07 | Verified | Field value matches approval |
| [Redacted] | 1121412 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | $2,145 Income / $2,132.48 PITIA |
| [Redacted] | 1121449 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | 1121449 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121449 |  |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | DSCR Loan |
| [Redacted] | 1121526 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121526 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121526 |  |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | DSCR Loan |
| [Redacted] | 1121517 |  |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | DSCR |
| [Redacted] | 1121529 |  |  |  | Subject Debt Service Coverage Ratio | 1.50 | 1.53 | Verified | Income $10,000/PITIA $6,551.74 |
| [Redacted] | 1121571 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121586 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121586 |  |  |  | Representative FICO | 751 | 662 |  |  |
| [Redacted] | 1121586 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121394 |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| [Redacted] | 1121394 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | 1121394 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121394 |  |  |  | Borrower SSN | [Redacted] |  | Verified | Field Value verified by application or other documentation in file |
| [Redacted] | 1121394 |  |  |  | Subject Debt Service Coverage Ratio | 1.33 | 1.34 | Verified | Income $3030/PITIA$2,257.64 |
| [Redacted] | 1121583 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121583 |  |  |  | Subject Debt Service Coverage Ratio | 0.79 | 0.80 | Verified | Income $1,425/PITIA $1,789.62 |
| [Redacted] | 1121368 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121368 |  |  |  | Original Interest Rate | 7 | 6.99 | Verified | Field Value reflects the Note value |
| [Redacted] | 1121368 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121368 |  |  |  | Subject Debt Service Coverage Ratio | 1.07 | 1.06 | Verified | Income $1800/PITIA $1,700.38 |
| [Redacted] | 1121520 |  |  |  | Representative FICO | 769 | 756 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | 1121520 |  |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.55 | Verified | $2,321.68 PITIA / $3,600.00 Income. |
| [Redacted] | 1121488 |  |  |  | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | 1121488 |  |  |  | Original Interest Rate | 7.75 | 7.5 | Verified | Field Value reflects the Note value |
| [Redacted] | 1121488 |  |  |  | Original CLTV | 70 | 65 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redacted] | 1121488 |  |  |  | Original LTV | 70 | 65 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redacted] | 1121488 |  |  |  | Subject Debt Service Coverage Ratio | 1.32 | 1.45 | Verified | $1,517.34 PITIA/$2200 Income |
| [Redacted] | 1121579 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121579 |  |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121579 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121579 |  |  |  | Subject Debt Service Coverage Ratio | 1.34 | 1.32 | Verified | Income $2600/PITIA $1,970.72 |
| [Redacted] | 1121585 |  |  |  | Subject Debt Service Coverage Ratio | 1.11 | 1.13 | Verified | Income $9000.00/ PITIA $7963.35 |
| [Redacted] | 1121584 |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| [Redacted] | 1121584 |  |  |  | Representative FICO | 784 | 771 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | 1121584 |  |  |  | Subject Debt Service Coverage Ratio | 1.08 | 1.07 | Verified | Income $4000.00/ PITIA $3751.75 |
| [Redacted] | 1121534 |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.07 | Verified | Income $3675.00/PITIA $3431.22 |
| [Redacted] | 1121587 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121545 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121308 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121308 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121379 |  |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [Redacted] | 1121379 |  |  |  | Investor: Qualifying Total Debt Ratio | 31.03 | 24.31914 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redacted] | 1121393 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121494 |  |  |  | Property Type | Single Family Detached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121494 |  |  |  | Investor: Qualifying Total Debt Ratio | 13 | 29.88492 | Verified | DTI matches the AUS |
| [Redacted] | 1121369 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | 1121369 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121369 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redacted] | 1121369 |  |  |  | Investor: Qualifying Total Debt Ratio | 34.75 | 40.38271 | Verified | Field value matches AUS |
| [Redacted] | 1121453 |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| [Redacted] | 1121453 |  |  |  | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redacted] | 1121453 |  |  |  | Investor: Qualifying Total Debt Ratio | 47.86 | 45.36499 | Verified | Field data matches Lenders qualifying DTI |
| [Redacted] | 1121387 |  |  |  | Investor: Qualifying Total Debt Ratio | 20.79 | 32.8364 | Verified | Field data matches Lenders qualifying DTi |
| [Redacted] | 1121399 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Approval/AUS |
| [Redacted] | 1121399 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121399 |  |  |  | Investor: Qualifying Total Debt Ratio | 42.28 | 30.31906 | Verified | Lender used a higher insurance payment. Verified expenses $3990.54/Income $13,161.83 |
| [Redacted] | 1121380 |  |  |  | Investor: Qualifying Total Debt Ratio | 35 | 49.7275 | Verified | Debt $7,438.19 / Income $14,957.90 |
| [Redacted] | 1121382 |  |  |  | Original CLTV | 58.33 | 52.31689 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | 1121382 |  |  |  | Original LTV | 58.33 | 52.31689 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redacted] | 1121382 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121382 |  |  |  | Investor: Qualifying Total Debt Ratio | 35 | 31.71483 | Verified | DTI matches the lender's 1008 |
| [Redacted] | 1121481 |  |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [Redacted] | 1121481 |  |  |  | Original CLTV | 58.66 | 57.08108 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | 1121481 |  |  |  | Original LTV | 58.66 | 57.08108 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redacted] | 1121481 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121481 |  |  |  | Investor: Qualifying Total Debt Ratio | 1.69 | 10.12567 | Verified | DTI matches the lender's 1008 |
| [Redacted] | 1121404 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121404 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121417 |  |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121417 |  |  |  | Investor: Qualifying Total Debt Ratio | 47.29 | 44.31696 | Verified | Field data matches Lenders qualifying DTI |
| [Redacted] | 1121495 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121408 |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| [Redacted] | 1121408 |  |  |  | Investor: Qualifying Total Debt Ratio | 36.04 | 42.20691 | Verified | DTI matches the lender's 1008 |
| [Redacted] | 1121530 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redacted] | 1121555 |  |  |  | Representative FICO | 800 | 803 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | 1121555 |  |  |  | Original CLTV | 56.91 | 55.28571 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | 1121555 |  |  |  | Original LTV | 56.91 | 55.28571 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redacted] | 1121555 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121555 |  |  |  | Investor: Qualifying Total Debt Ratio | 43.9 | 40.08158 | Verified | Field value matches AUS |
| [Redacted] | 1121588 |  |  |  | Doc Type | Alt | 12mo Bank Statement |  |  |
| [Redacted] | 1121185 |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| [Redacted] | 1121185 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121185 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redacted] | 1121185 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121185 |  |  |  | Investor: Qualifying Total Debt Ratio | 43 | 13.63519 | Verified | Field data matches Lenders 1008 |
| [Redacted] | 1121220 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121220 |  |  |  | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redacted] | 1121220 |  |  |  | Investor: Qualifying Total Debt Ratio | 31.81 | 47.47773 | Verified | Field data matches Lenders 1008. |
| [Redacted] | 1121250 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121245 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121245 |  |  |  | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redacted] | 1121245 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121245 |  |  |  | Investor: Qualifying Total Debt Ratio | 29.05 | 26.68621 | Verified | Field data matches Lenders 1008. |
| [Redacted] | 1121306 |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| [Redacted] | 1121306 |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121258 |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| [Redacted] | 1121277 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121277 |  |  |  | Investor: Qualifying Total Debt Ratio | 25 | 49.22622 | Verified | DTI is matching with Lenders qualifying DTI. |
| [Redacted] | 1121235 |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| [Redacted] | 1121235 |  |  |  | Investor: Qualifying Total Debt Ratio | 24 | 42.04378 | Verified | Field value matches 1008 |
| [Redacted] | 1121263 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121263 |  |  |  | Investor: Qualifying Total Debt Ratio | 13 | 48.08302 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redacted] | 1121312 |  |  |  | Investor: Qualifying Total Debt Ratio | 44.5 | 39.70683 | Verified | DTI matches the lender's 1008 |
| [Redacted] | 1121249 |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [Redacted] | 1121262 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121262 |  |  |  | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redacted] | 1121262 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121262 |  |  |  | Investor: Qualifying Total Debt Ratio | 10 | 36.60862 | Verified | DTI matches the lender's 1008 |
| [Redacted] | 1121317 |  |  |  | Representative FICO | 756 | 791 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | 1121317 |  |  |  | Investor: Qualifying Total Debt Ratio | 49.83 | 53.98632 | Verified | DTI matches the lender's 1008 |
| [Redacted] | 1121275 |  |  |  | Property Type | 4 Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121275 |  |  |  | # of Units | 1 | 2 | Verified | Field value reflects source document |
| [Redacted] | 1121275 |  |  |  | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redacted] | 1121305 |  |  |  | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | 1121305 |  |  |  | Investor: Qualifying Total Debt Ratio | 46.27 | 49.19124 | Verified | Field data matches Lenders DTI |
| [Redacted] | 1121367 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121367 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121371 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | 1121371 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121371 |  |  |  | Investor: Qualifying Total Debt Ratio | 12 | 32.40587 | Verified | DTI matches the lender's 1008 |
| [Redacted] | 1121343 |  |  |  | Original Interest Rate | 7.5 | 7.625 | Verified | Field Value reflects the Note value |
| [Redacted] | 1121343 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121343 |  |  |  | Investor: Qualifying Total Debt Ratio | 50 | 52.83786 | Verified | Field value matches 1008 |
| [Redacted] | 1121286 |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| [Redacted] | 1121286 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121286 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121286 |  |  |  | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redacted] | 1121286 |  |  |  | Investor: Qualifying Total Debt Ratio | 42.61 | 28.11148 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redacted] | 1121447 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121447 |  |  |  | Investor: Qualifying Total Debt Ratio | 31.28 | 35.21966 | Verified | Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM |
| [Redacted] | 1121448 |  |  |  | Representative FICO | 732 | 744 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | 1121448 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121448 |  |  |  | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redacted] | 1121326 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | 1121326 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121332 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121332 |  |  |  | Investor: Qualifying Total Debt Ratio | 15.04 | 20.55644 | Verified | Field data matches Lenders 1008. |
| [Redacted] | 1121316 |  |  |  | Representative FICO | 812 | 798 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| [Redacted] | 1121316 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121316 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121316 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121316 |  |  |  | Investor: Qualifying Total Debt Ratio | 52.63 | 47.09154 | Verified | Field value matches 1008 |
| [Redacted] | 1121293 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121293 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121469 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121284 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | 1121284 |  |  |  | Original Interest Rate | 7.375 | 7.25 | Verified | Field Value reflects the Note value |
| [Redacted] | 1121284 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121284 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121284 |  |  |  | Investor: Qualifying Total Debt Ratio | 32.62 | 24.492 | Verified | DTI matches the lender's 1008 |
| [Redacted] | 1121374 |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| [Redacted] | 1121374 |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [Redacted] | 1121268 |  |  |  | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | 1121268 |  |  |  | Original CLTV | 43.07 | 41.85185 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redacted] | 1121268 |  |  |  | Original LTV | 43.07 | 41.85185 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redacted] | 1121268 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121419 |  |  |  | Investor: Qualifying Total Debt Ratio | 52.45 | 54.80921 | Verified | Field value matches 1008 |
| [Redacted] | 1121311 |  |  |  | Representative FICO | 793 | 813 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | 1121311 |  |  |  | Property Type | PUD | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121311 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121311 |  |  |  | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redacted] | 1121356 |  |  |  | Representative FICO | 740 | 750 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | 1121356 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121328 |  |  |  | Original CLTV | 39.68 | 35.97328 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redacted] | 1121328 |  |  |  | Original LTV | 39.68 | 35.97328 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redacted] | 1121328 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121373 |  |  |  | Representative FICO | 706 | 703 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | 1121373 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121294 |  |  |  | Original Interest Rate | 8.75 | 8.25 | Verified | Field Value reflects the Note value |
| [Redacted] | 1121294 |  |  |  | Investor: Qualifying Total Debt Ratio | 41.2 | 44.57386 | Verified | Field data matches Lenders 1008. |
| [Redacted] | 1121392 |  |  |  | Investor: Qualifying Total Debt Ratio | 23 | 53.54649 | Verified | Field data matches Lenders DTI |
| [Redacted] | 1121325 |  |  |  | Original CLTV | 65 | 63.77358 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redacted] | 1121325 |  |  |  | Original LTV | 65 | 63.77358 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redacted] | 1121325 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121325 |  |  |  | Investor: Qualifying Total Debt Ratio | 38.93 | 46.53683 | Verified | Field data matches Lenders DTI |
| [Redacted] | 1121283 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121354 |  |  |  | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | 1121354 |  |  |  | Representative FICO | 759 | 719 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | 1121354 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121354 |  |  |  | Original CLTV | 48.38 | 51.6129 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | 1121354 |  |  |  | Original LTV | 48.38 | 51.6129 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | 1121354 |  |  |  | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redacted] | 1121354 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121354 |  |  |  | Investor: Qualifying Total Debt Ratio | 13.17 | 18.99606 | Verified | Field value matches Lender's 1008. |
| [Redacted] | 1121358 |  |  |  | Investor: Qualifying Total Debt Ratio | 38 | 46.74056 | Verified | Field data matches Lenders 1008. |
| [Redacted] | 1121244 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
| [Redacted] | 1121244 |  |  |  | Representative FICO | 796 | 806 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | 1121244 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121244 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121244 |  |  |  | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redacted] | 1121244 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121244 |  |  |  | Investor: Qualifying Total Debt Ratio | 44.86 | 48.5466 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redacted] | 1121467 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121323 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | 1121323 |  |  |  | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redacted] | 1121402 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121402 |  |  |  | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | 1121402 |  |  |  | Investor: Qualifying Total Debt Ratio | 30.44 | 42.68161 | Verified | Field data matches Lenders DTI |
| [Redacted] | 1121346 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121285 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121289 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121289 |  |  |  | Investor: Qualifying Total Debt Ratio | 41.38 | 39.21659 | Verified | The lender used a higher Hazard insurance payment than verified in the amount of $684.33 |
| [Redacted] | 1121377 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121297 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121297 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121297 |  |  |  | Investor: Qualifying Total Debt Ratio | 26.83 | 37.7266 | Verified | Field data matches Lenders DTI |
| [Redacted] | 1121518 |  |  |  | Investor: Qualifying Total Debt Ratio | 41.8 | 48.35175 | Verified | DTI matches the lender's 1008 |
| [Redacted] | 1121376 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121376 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121376 |  |  |  | Investor: Qualifying Total Debt Ratio | 75 | 30.41171 | Verified | DTI is matching with lenders qualifying DTI |
| [Redacted] | 1121400 |  |  |  | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | 1121400 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121400 |  |  |  | Investor: Qualifying Total Debt Ratio | 8.46 | 17.13339 | Verified | DTI matches the lender's 1008 |
| [Redacted] | 1121276 |  |  |  | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | 1121276 |  |  |  | Original CLTV | 50 | 55 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redacted] | 1121276 |  |  |  | Original LTV | 50 | 55 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redacted] | 1121276 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121276 |  |  |  | Investor: Qualifying Total Debt Ratio | 40.07 | 49.70827 | Verified | DTI is matching with Lenders qualifying DTI |
| [Redacted] | 1121385 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121385 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121385 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121397 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121351 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121351 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121390 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | 1121390 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121390 |  |  |  | Representative FICO | 718 | 693 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | 1121420 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121420 |  |  |  | Investor: Qualifying Total Debt Ratio | 3 | 26.54211 | Verified | DTI matches lender's 1008 |
| [Redacted] | 1121528 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121528 |  |  |  | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redacted] | 1121414 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121452 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121569 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121569 |  |  |  | Investor: Qualifying Total Debt Ratio | 44.17 | 46.97259 | Verified | DTI matches the lender's 1008 |
| [Redacted] | 1121581 |  |  |  | Representative FICO | 680 | 685 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | 1121523 |  |  |  | Investor: Qualifying Total Debt Ratio | 28.483 | 33.94777 | Verified | DTI is matching with Lenders qualifying DTI |
| [Redacted] | 1121444 |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| [Redacted] | 1121444 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121444 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121532 |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| [Redacted] | 1121532 |  |  |  | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redacted] | 1121543 |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| [Redacted] | 1121543 |  |  |  | Representative FICO | 740 | 742 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | 1121543 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121543 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redacted] | 1121543 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121543 |  |  |  | Investor: Qualifying Total Debt Ratio | 45.5 | 48.88316 | Verified | DTI matches the lender's 1008 |
| [Redacted] | 1121480 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121480 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Approval/AUS |
| [Redacted] | 1121480 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121480 |  |  |  | Investor: Qualifying Total Debt Ratio | 43.63 | 39.64758 | Verified | Field data matches lender's 1008. |
| [Redacted] | 1121540 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | 1121540 |  |  |  | Investor: Qualifying Total Debt Ratio | 18 | 15.46456 | Verified | All Income and Liabilities are updated per document |
| [Redacted] | 1121445 |  |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | 1121445 |  |  |  | Investor: Qualifying Total Debt Ratio | 45.31 | 48.82198 | Verified | Field data matches lender's qualifying DTI. |
| [Redacted] | 1121524 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121524 |  |  |  | Investor: Qualifying Total Debt Ratio | 46.19 | 36.21309 | Verified | Field data matches Lenders 1008. |
| [Redacted] | 1121482 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121513 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | 1121513 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121522 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | 1121522 |  |  |  | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | 1121522 |  |  |  | Original Interest Rate | 6.375 | 6.5 | Verified | Field Value reflects the Note value |
| [Redacted] | 1121522 |  |  |  | Original CLTV | 33.34 | 43.69759 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | 1121522 |  |  |  | Original LTV | 33.34 | 43.69759 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redacted] | 1121522 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121522 |  |  |  | Investor: Qualifying Total Debt Ratio | 22.97 | 40.34259 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redacted] | 1121556 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | 1121556 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121556 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121556 |  |  |  | Investor: Qualifying Total Debt Ratio | 4.66 | 0.57871 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redacted] | 1121398 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | 1121398 |  |  |  | Investor: Qualifying Total Debt Ratio | 17.83 | 44.24921 | Verified | DTI matches lender's 1008 |
| [Redacted] | 1121401 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121401 |  |  |  | Investor: Qualifying Total Debt Ratio | 30.43 | 21.77385 | Verified | Field value matches 1008 |
| [Redacted] | 1121484 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121484 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | 1121484 |  |  |  | Investor: Qualifying Total Debt Ratio | 28.56 | 31.6256 | Verified | Excluded 30 Day AMEX per guidelines. Sufficient reserves. |
| [Redacted] | 1121406 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121406 |  |  |  | Investor: Qualifying Total Debt Ratio | 42.12 | 35.79968 | Verified | DTI matches the lender's 1008 |
| [Redacted] | 1121178 |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | 1121178 |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |

---

## Exhibit 99.2

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.2**

![](ex992001.jpg)

**NARRATIVE**

**HOMES 2025-NQM4**

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

Canopy Financial Technology Partners LLC

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

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

![](ex992001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by APF II Resi O4B, LLC (the "Client") or its affiliated company. The Review was conducted from November 2024 to July 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of one-hundred twenty-nine (129) Loans with an aggregate original principal balance of $70,649,750.

**Loan Sampling**

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

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organization (NRSRO) S&P Global Ratings.

**Data Integrity**

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

---

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

---

![](ex992001.jpg)

---

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

---

**Credit Underwriting**

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

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

● Assets and Reserves;

● DTI (when applicable);

● DSCR (when applicable);

● Gross Income (when applicable);

● Housing history;

● Lien Position;

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

![](ex992001.jpg)

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

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

● Borrower(s) employment history;

● Citizenship and eligibility;

● First time home buyer status;

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

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

● Bankruptcy and foreclosure seasoning;

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

● Installment and revolving payment history;

● Mortgage/rental payment history;

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

● Number of tradelines; and

● Representative Credit Score and Methodology.

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

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters; and/or

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

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

● Borrower identity:

![](ex992001.jpg)

● Social Security inconsistencies

● Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

● Mortgage lender/originator

● Loan officer

● Occupancy:

● Borrower address history

● Subject property ownership history

● OFAC.

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

● Depository account statements;

● Gift funds;

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

● Stock or security account statements; and/or

● VOD's.

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

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

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

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

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

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

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

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

![](ex992001.jpg)

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

**Document Review**

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

● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

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

● Flood Certification;

● Initial and Final Loan Estimate (LE);

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

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

**Business Purpose Validation (when applicable)**

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

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

**"Missing Document" to "B" Grade:** In the event there was no express statement in the Loan File, and there was no express evidence provided that the loan proceeds were used for "Business Purpose", Canopy gave the file a "D" grade, for missing documentation. In the event there was not any express

![](ex992001.jpg)

statement or evidence of business purpose use of the proceeds, then the "D" grade – "Missing Document" initial finding was re-graded after conducting a full Consumer Purpose, regulatory compliance review, as applicable to assignees for Consumer Purpose loans. In the event the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

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

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

**Compliance Review**

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

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

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

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

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

![](ex992001.jpg)

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA
 Disclosures (if applicable); 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;x. Initial
 Escrow Account Disclosure.

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

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

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

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

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

![](ex992001.jpg)

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

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

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

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

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

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

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

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

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

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**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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● 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; 24-1.1(E)(a); 24-10.2(a) as amended.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Canopy reviews the loan to determine whether, based on available information in the Loan File: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees"

![](ex992001.jpg)

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, Canopy reviews the loan to determine whether, based on available information in the Loan File the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

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

Ability to Repay (ATR)

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

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

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

![](ex992001.jpg)

**Valuation Review**

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

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

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

**Independent third-party values**

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

**Valuation Reconciliation Process:** 

● If 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 value.

**Agency Eligible Loans:** 

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

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

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

![](ex992001.jpg)

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

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

---

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

---

---

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

---

---

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

---

![](ex992001.jpg)

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. As reviewed, 4.65% (6 loans) have an overall grade of "B" or lower, and 95.35% (123 loans) have an overall grade of "A".

Canopy's review concluded a Credit grade of "B" or lower for 2.33%, or three (3) loans reviewed, and 97.67% (126 loans) have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" or lower for 2.33%, or three (3) loans reviewed, and 97.67% (126 loans) have a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "B" or lower for 0.00%, or zero (0) loans reviewed, and 100.00% (129 loans) have a Property/Valuation grade of "A".

![](ex992001.jpg)

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;123 | &nbsp;&nbsp;95.35% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.65% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**129** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;126 | &nbsp;&nbsp;97.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**129** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;126 | &nbsp;&nbsp;97.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**129** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;129 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**129** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

![](ex992001.jpg)

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;73 | &nbsp;&nbsp;56.59% | &nbsp;&nbsp;$37645703.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;56 | &nbsp;&nbsp;43.41% | &nbsp;&nbsp;$33004047.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**129** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$70649750.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;129 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$70649750.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**129** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$70649750.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.78% | &nbsp;&nbsp;$1000000.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;13 | &nbsp;&nbsp;10.08% | &nbsp;&nbsp;$5963700.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;38 | &nbsp;&nbsp;29.46% | &nbsp;&nbsp;$21761929.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;66 | &nbsp;&nbsp;51.16% | &nbsp;&nbsp;$35033421.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;11 | &nbsp;&nbsp;8.53% | &nbsp;&nbsp;$6890700.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**129** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$70649750.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;129 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$70649750.00 |
| &nbsp;&nbsp;361 - 420 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**129** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$70649750.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;65 | &nbsp;&nbsp;50.39% | &nbsp;&nbsp;$40478245.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.55% | &nbsp;&nbsp;$332500.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;62 | &nbsp;&nbsp;48.06% | &nbsp;&nbsp;$29839005.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**129** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$70649750.00** |

---

![](ex992001.jpg)

**DATA COMPARISON RESULTS**

Of the one-hundred twenty-nine (129) loan files reviewed, seventy-two (72) unique loans (55.81% by number) had one-hundred (100) tape comparison discrepancies across fourteen (14) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;B1 Credit Report Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;129 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;129 | &nbsp;&nbsp;0.78% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;129 | &nbsp;&nbsp;1.55% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;129 | &nbsp;&nbsp;0.78% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;129 | &nbsp;&nbsp;0.78% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;129 | &nbsp;&nbsp;0.78% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;129 | &nbsp;&nbsp;0.78% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;129 | &nbsp;&nbsp;0.78% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;129 | &nbsp;&nbsp;0.78% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;129 | &nbsp;&nbsp;0.78% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;14 | &nbsp;&nbsp;129 | &nbsp;&nbsp;10.85% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No | &nbsp;&nbsp;9 | &nbsp;&nbsp;129 | &nbsp;&nbsp;6.98% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;62 | &nbsp;&nbsp;129 | &nbsp;&nbsp;48.06% |
| &nbsp;&nbsp;Total Monthly Property Insurance Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;129 | &nbsp;&nbsp;1.55% |

---

![](ex992001.jpg)

**Disclaimer**

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

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

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

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

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

## Exhibit 99.2

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.2 - Schedule 1**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 1121167 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1121165 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1121168 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1121173 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1115877 |  | D A | Closed | FCRE1325 | 2024-12-09 05:26 | 2024-12-27 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Document provided. Updated. - Due Diligence Vendor-12/27/2024 <br> Ready for Review-Document Uploaded. See ownership percentage/ self- employed business Narrative from that reflects the ownership % - Buyer-12/26/2024 <br> Open-Borrower 1 CPA Letter Missing Missing CPA letter showing % of ownership. (LOE from borrower on page xxx does not appear to comply with lender guidelines) - Due Diligence Vendor-12/09/2024 |  | Resolved-Document provided. Updated. - Due Diligence Vendor-12/27/2024<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.92 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying xxx Of 770 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.74% Is Below The Guideline Maximum Of 89.99% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1121187 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1121189 |  | D A | Closed | FPRO4876 | 2025-01-23 02:20 | 2025-01-31 07:21 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Per xxx directive, property located outside of immediate xxx area. xxx reflects no xxx or xxx to marketability and is acceptable - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Please see the attached xxx - Due Diligence Vendor-01/31/2025 <br> Open-Property is located in a xxx and requires a xxx. - Due Diligence Vendor-01/23/2025 |  | Resolved-Per xxx directive, property located outside of immediate xxx area. xxx reflects no xxx or xxx to marketability and is acceptable - Due Diligence Vendor-01/31/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying xxx Of 769 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1121226 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1121233 |  | D A | Closed | FCRE5770 | 2025-01-28 14:06 | 2025-01-30 08:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Please find attached the credit report on page xxx in the closed package. - Due Diligence Vendor-01/29/2025 <br> Open-Borrower 1 Credit Report is Missing. Missing Credit Report dated xxx used to qualify - Due Diligence Vendor-01/28/2025 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/30/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1121214 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1121219 |  | D A | Closed | FCRE1162 | 2025-02-04 18:29 | 2025-02-05 14:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Partially Provided | Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Please find the attached initial flood cert. - Due Diligence Vendor-02/05/2025 <br> Open-Flood Certification Date is greater than xxx Flood cert pulled xxx - Due Diligence Vendor-02/04/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 125.75 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.83 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 1121216 |  | D A | Closed | FPRO4876 | 2025-02-07 11:09 | 2025-02-14 08:11 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Per xxx directive, property located outside of immediate xxx area. xxx reflects no xxx or xxx to marketability and is acceptable - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Please see attached file. thank you. - Due Diligence Vendor-02/14/2025 <br> Counter-The Investor is requiring a xxx on all Properties located in the county of xxx. xxx to be performed after completion or end date of xxx per xxx. xxx reports provided prior to that date will not be accepted by investor. - Due Diligence Vendor-02/12/2025 <br> Ready for Review-The distance between this area and the xxx is approximately xxx miles. Therefore, it seems that there is no xxx as it is too far from the xxx. Since the xxx has been contained and no xxx has occurred, it seems that a xxx is unnecessary. Please confirm that the condition is clear. - Due Diligence Vendor-02/12/2025 <br> Open-Property is located in a xxx and requires a xxx. - Due Diligence Vendor-02/07/2025 |  | Resolved-Per xxx directive, property located outside of immediate xxx area. xxx reflects no xxx or xxx to marketability and is acceptable - Due Diligence Vendor-02/14/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.13 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1121216 |  | D A | Closed | FCRE3464 | 2025-02-07 11:07 | 2025-02-12 08:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-VVOE dated xxx stating confirmed business is still active and operational - Due Diligence Vendor-02/12/2025 <br> Ready for Review-please see attached file. - Due Diligence Vendor-02/12/2025 <br> Open-Per xxx directive, xxx VVOE required confirming no negative xxx to employment or income from current xxx declaration. - Due Diligence Vendor-02/07/2025 |  | Resolved-VVOE dated xxx stating confirmed business is still active and operational - Due Diligence Vendor-02/12/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.13 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1121216 |  | D A | Closed | FCRE2109 | 2025-02-06 00:50 | 2025-02-11 11:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/11/2025 <br> Ready for Review-please see attached. - Due Diligence Vendor-02/11/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-02/07/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.13 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1115879 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1115889 |  | D B A | Closed | FCRE1182 | 2025-03-18 08:04 | 2025-03-22 07:52 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/21/2025 <br>Open-1008/Underwriting Summary Not Provided Provide the final loan transmittal summary. - Due Diligence Vendor-03/20/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/22/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.37 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.20 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.89% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1115889 |  | D B A | Closed | FCRE5116 | 2025-03-18 07:53 | 2025-03-22 07:51 | Waived | 2 - Non-Material D B | Credit | Missing Doc | VOM or VOR missing/required | Waived-Approved Lender Exception: exception approved to accept VOR from Private Landlord. - Due Diligence Vendor-03/22/2025 <br> Ready for Review-Document Uploaded. Please see VOR docs and exception for the rent, thank you - Buyer-03/21/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide a Verification of Rent for $xxx from the borrower's private landlord. - Due Diligence Vendor-03/18/2025 |  | Waived-Approved Lender Exception: exception approved to accept VOR from Private Landlord. - Due Diligence Vendor-03/22/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.37 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.20 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.89% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 40% LTV (max 85%) <br> >24 Months reserves (min 6 months)<br> Fico xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 1115881 |  | D B A | Closed | FCRE2109 | 2025-03-18 10:25 | 2025-03-21 13:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. Used conservative to qualify at $xxx monthly. For B2, have full VOE and year end paystub. Please clear as presented, thank you. - Buyer-03/21/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary Missing lender income worksheet for B2 wage calculation. - Due Diligence Vendor-03/18/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/21/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.45 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1115881 |  | D B A | Closed | FCRE8611 | 2025-03-18 11:33 | 2025-03-18 11:33 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived-Exception approved for < 24 mo S/E. Bwr was W2 commissioned R/E salesperson and then went 1099 as independent contractor for same payor/employer as of xxx. Has > 12 mo S/E. Using Alt doc 1 yr 1099 product and UW has applied 50% expense ratio for worst case. - Due Diligence Vendor-03/18/2025 |  | Waived-Exception approved for < 24 mo S/E. Bwr was W2 commissioned R/E salesperson and then went 1099 as independent contractor for same payor/employer as of xxx. Has > 12 mo S/E. Using Alt doc 1 yr 1099 product and UW has applied 50% expense ratio for worst case. - Due Diligence Vendor-03/18/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.45 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Comp factors include DTI < 35% (even with full expense rate), > $xxx residual, xxx CS, and > 24 mo reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 1115891 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 1115890 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1115882 |  | C B A | Closed | FCRE1194 | 2025-04-02 18:01 | 2025-04-14 07:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Approved Lender Exception: Exception Request due to DD finding: DSCR: Audited LTV of 75% exceeds Guideline LTV of 70% Lender exception for exceeding rural property cash out limit of 70%. <br> - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. Please see the attached exception - Seller-04/11/2025 <br> Counter-Appraisal needs to be updated to reflect not in a Rural Location. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. Please see attached confirming subject property is not rural. - Buyer-04/10/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Lender exception for exceeding rural property cashout limit of 70%. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Please see the attached exception - Seller-04/11/2025<br>| Waived-Approved Lender Exception: Exception Request due to DD finding: DSCR: Audited LTV of 75% exceeds Guideline LTV of 70% Lender exception for exceeding rural property cash out limit of 70%. <br> - Due Diligence Vendor-04/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.63 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points | xxx FICO <br> DSCR 1.00 = 1.227 <br> xxx months reserves after closing | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 1115882 |  | C B A | Closed | FCOM6722 | 2025-04-02 17:43 | 2025-04-10 15:08 | Resolved | 1 - Information C A | Compliance | Closing Package | Mortgage not properly executed | Resolved-LLC Resolution for xxx stating Borrower is authorized to sign all loan documents and related documents in connection with such loan on behalf of this LLC Company. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. We have a resolution signed by both parties stating that xxx is authorized to sign on behalf of both xxx and himself for the LLC. Kindly clear this finding. - Buyer-04/10/2025 <br> Open-xxx as manager did not sign mortgage (page xxx) Please provide copy of mortgage with her signature. - Due Diligence Vendor-04/02/2025 |  | Resolved-LLC Resolution for xxx stating Borrower is authorized to sign all loan documents and related documents in connection with such loan on behalf of this LLC Company. - Due Diligence Vendor-04/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.63 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 1115882 |  | C B A | Closed | FCRE1182 | 2025-04-01 11:01 | 2025-04-09 15:47 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. Please see the attached 1008 - Seller-04/08/2025 <br>Open-1008/Underwriting Summary Not Provided Missing 1008. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. Please see the attached 1008 - Seller-04/08/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.63 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 1115887 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 1118956 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1118955 |  | D A | Closed | FCRE7497 | 2025-05-13 10:58 | 2025-05-19 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement, Tax Cert & HOI Policy provided. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Property Tax Cert & HOI for xxx. - Buyer-05/15/2025 <br> Counter-Missing Tax Cert & HOI Policy as the Final CD & First payment Letter reflects not escrowed. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/13/2025 <br> Open-Missing Note, Settlement Statement, Tax and Insurance Statement for xxx, xxx Loan xxx. Total PITI Payment $xxx.<br> - Due Diligence Vendor-05/13/2025 |  | Resolved-Mortgage statement, Tax Cert & HOI Policy provided. - Due Diligence Vendor-05/19/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.16 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.40 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 167.22 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1118960 |  | D A | Closed | FCRE1503 | 2025-05-11 01:09 | 2025-05-15 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Note, First payment Letter, SS, Tax Cert and HOI Provided for xxx - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/14/2025 <br> Open-xxx, closed concurrently. Missing Note, Settlement Statement, Tax and Insurance Statement to verify PITIA. - Due Diligence Vendor-05/11/2025 |  | Resolved-Note, First payment Letter, SS, Tax Cert and HOI Provided for xxx - Due Diligence Vendor-05/15/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.10 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26887.98 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.09 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1118960 |  | D A | Closed | FCRE9814 | 2025-05-11 01:11 | 2025-05-15 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved-Trust Documents provided. - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/14/2025 <br>Open-Trust Certificate is Missing - Due Diligence Vendor-05/11/2025 |  | Resolved-Trust Documents provided. - Due Diligence Vendor-05/15/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.10 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26887.98 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.09 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1118961 |  | C A | Closed | FCRE1198 | 2025-05-11 08:19 | 2025-05-28 12:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. - Seller-05/24/2025 <br> Counter-Updated 1003 & 1008 needed adding the additional assets for "xxx (401K) that's not listed - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. - Seller-05/22/2025 <br> Open-Audited Reserves of xxx are less than Guideline Required Reserves of 3 - Due Diligence Vendor-05/11/2025 | Ready for Review-Document Uploaded. - Seller-05/24/2025 <br>Ready for Review-Document Uploaded. - Seller-05/22/2025<br>| Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-05/28/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.58% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1118961 |  | C A | Closed | finding-3631 | 2025-05-12 17:30 | 2025-05-27 07:38 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Credit invoice provided is sufficient. Thank you. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/24/2025 <br> Counter-COC event details provided is insufficient to establish "new information" with regards to the credit report charge. Please provide Credit report itemized invoice to validate the increase disclosure date timing. Thank you - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. - Seller-05/14/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. - Seller-05/14/2025<br>| Resolved-Credit invoice provided is sufficient. Thank you. - Due Diligence Vendor-05/27/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.58% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1118961 |  | C A | Closed | finding-3632 | 2025-05-12 17:30 | 2025-05-27 07:38 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Credit invoice provided is sufficient. Thank you. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/24/2025 <br> Counter-COC event details provided is insufficient to establish "new information" with regards to the credit report charge. Please provide Credit report itemized invoice to validate the increase disclosure date timing. Thank you - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/14/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.\*\*\*\*\*\*\*\*\*\*• A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The Credit Report amount increased from $82.00 to $xxx, however, there is no correlating event evident. Please provide valid COC event details or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/13/2025 |  | Resolved-Credit invoice provided is sufficient. Thank you. - Due Diligence Vendor-05/27/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.58% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1118961 |  | C A | Closed | finding-3634 | 2025-05-12 17:30 | 2025-05-27 07:38 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Credit invoice provided is sufficient. Thank you. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Waterfall Condition - Seller-05/24/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/12/2025 | Ready for Review-Waterfall Condition - Seller-05/24/2025<br>| Resolved-Credit invoice provided is sufficient. Thank you. - Due Diligence Vendor-05/27/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.58% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1118961 |  | C A | Closed | finding-3712 | 2025-05-12 17:30 | 2025-05-27 07:38 | Resolved | 1 - Information C A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. - Seller-05/24/2025 <br> Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($xxx) exceeds the per diem interest charge or credit threshold ($xxx).PLEASE NOTE: An additional $xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. \*\*\*\*\*\*\*\*\*\*\* Per Diem Interest Charged in the Final Closing Disclosure accrues prior to the end of the rescission period. - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. - Seller-05/24/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/27/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.58% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1118958 |  | D A | Closed | FCOM1232 | 2025-05-10 08:20 | 2025-05-15 07:43 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/14/2025 <br>Open-The Final 1003 is Missing Final 1003 missing. - Due Diligence Vendor-05/10/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1118957 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 1118959 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1121151 |  | C B A | Closed | finding-651 | 2025-05-19 15:19 | 2025-06-23 10:38 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-\*\*\*Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-06/23/2025 <br> Resolved-\*\*\*Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/21/2025 <br> Counter-copy of the restitution check to the borrower in the amount of $xxx and proof of mailing is required. (Finance charge violations cannot be cleared with a PCCD nor is a PCCD required) - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/03/2025 <br> Counter-Loan Data $xxx; Comparison Data $xxx \*\*\*\*Variance $xxx. <br>Fees included in Finance Charge testing: Lender Closing Fee paid by Borrower: $xxx + Loan Origination Fee paid by Borrower: $xxx + Settlement or Closing Fee paid by Borrower: $xxx + Electronic Recording Service Fee paid by Borrower: $xxx + Courier / Messenger Fee paid by Borrower: $xxx + Title Courier Fee paid by Borrower: $xxx + Sub-Escrow Fee paid by Borrower: $xxx + Tie-in Fee paid by Borrower: $xxx + Prepaid Interest paid by Borrower: $xxx = Total Fees $xxx. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Please provide on how you are calculating the Finance charge. - Buyer-06/03/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate because it is understated by more than $xxx. - Due Diligence Vendor-05/19/2025 |  | Cured-\*\*\*Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-06/23/2025 <br>Resolved-\*\*\*Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-06/23/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.88 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1121154 |  | C A | Closed | FCRE1159 | 2025-05-21 14:48 | 2025-06-05 08:44 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/03/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Refinance. Prior policy not in file to verify that insurance was in effect at the time of closing. - Due Diligence Vendor-05/21/2025 |  | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/05/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.09 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.35 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.63% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 1121152 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1121161 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1121162 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1121150 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 1121153 |  | C B A | Closed | finding-3634 | 2025-05-21 16:57 | 2025-06-24 07:33 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-06/24/2025 <br> Counter- - Due Diligence Vendor-06/24/2025 <br> Counter-\*\*\*Incomplete cure package received; missing copy of refund check. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Seller-06/21/2025 <br> Counter-\*\*\*\*\* Processing fee of $xxx was not a disclosed charge to the borrower in the initial Loan Estimate. However, this fee was included in charges to the borrower in the Final Closing Disclosure (section A) and the PCCD (Section B). This type of charge needs to be disclosed to the borrower in the initial loan estimate. 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/03/2025 <br> Open-\*\*\*\* The following charges have been either added or increased: In house processing fee resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-06/21/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-06/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.20 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1121153 |  | C B A | Closed | finding-3632 | 2025-05-21 16:57 | 2025-06-24 07:32 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-06/24/2025 <br> Counter- - Due Diligence Vendor-06/24/2025 <br> Counter-\*\*\*Incomplete cure package received; missing copy of refund check. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/21/2025 <br> Counter-\*\*\*\*\* Processing fee of $xxx was not a disclosed charge to the borrower in the initial Loan Estimate. However, this fee was included in charges to the borrower in the Final Closing Disclosure (section A) and the PCCD (Section B). This type of charge needs to be disclosed to the borrower in the initial loan estimate. 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: In house processing fee resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/27/2025 <br> Open-\*\*\* Finding in relation to - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-06/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.20 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1121153 |  | C B A | Closed | finding-3631 | 2025-05-21 16:57 | 2025-06-24 07:32 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured- - Due Diligence Vendor-06/24/2025 <br> Resolved- - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/24/2025 <br> Counter-\*\*\*Incomplete cure package received; missing copy of refund check. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Seller-06/21/2025 <br> Counter-\*\*\*\*\* Processing fee of $xxx was not a disclosed charge to the borrower in the initial Loan Estimate. However, this fee was included in charges to the borrower in the Final Closing Disclosure (section A) and the PCCD (Section B). This type of charge needs to be disclosed to the borrower in the initial loan estimate. 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/03/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: In house processing fee resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/27/2025 <br> Open-\*\*\* Finding in relation to - Due Diligence Vendor-05/27/2025 | Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - 06/24/2025 <br>Ready for Review-Document Uploaded. - Seller-06/21/2025<br>|  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.20 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1121153 |  | C B A | Closed | finding-3712 | 2025-05-21 16:57 | 2025-06-24 07:28 | Resolved | 1 - Information C A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved- - Due Diligence Vendor-06/24/2025 <br> Resolved-PCCD received, data entered - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open-\*\*\*\* The original file is missing the xxx per diem disclosure. Please provide for review. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional findings. - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-PCCD received, data entered - Due Diligence Vendor-06/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.20 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1121156 |  | D A | Closed | FCOM1227 | 2025-05-26 12:45 | 2025-05-29 16:51 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved- - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Seller-05/28/2025 <br>Open-PUD Rider is Missing PUD and mortgage missing - Due Diligence Vendor-05/26/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025<br>|  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1121156 |  | D A | Closed | FCOM1229 | 2025-05-26 12:45 | 2025-05-29 16:51 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved- - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/28/2025 <br>Open-1-4 Family Rider is Missing Also mortgage missing - Due Diligence Vendor-05/26/2025 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1121156 |  | D A | Closed | FCOM1220 | 2025-05-20 01:45 | 2025-05-29 16:51 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved- - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/28/2025 <br>Open-The Deed of Trust is Missing Missing mortgage - Due Diligence Vendor-05/20/2025 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1121156 |  | D A | Closed | FCOM1232 | 2025-05-26 12:38 | 2025-05-29 16:50 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/28/2025 <br>Open-The Final 1003 is Missing Missing initial and final 1003 - Due Diligence Vendor-05/26/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/29/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1121159 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1121160 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1121157 |  | D B A C | Closed | finding-3632 | 2025-05-21 16:07 | 2025-06-24 07:47 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-06/24/2025 <br> Counter- - Due Diligence Vendor-06/24/2025 <br> Counter-\*\*\*Received partial cure package; missing copy of refund check. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Seller-06/21/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* In-House Processing Fee to xxx in the amount of xxx was not disclosed to the borrower until the Initial Closing Disclosure dated xxx. There is no evidence of a valid change of circumstance event pursuant to § 1026.19(e)(3)(iv), for this type of charge, not disclosed in the Initial Loan Estimate, to be an added charge to the borrower. 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/27/2025 <br> Open-\*\*\*\* Finding in relation to fee increases - Due Diligence Vendor-05/27/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-06/21/2025<br>| Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-06/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.79 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.61% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1121157 |  | D B A C | Closed | finding-3634 | 2025-05-21 16:07 | 2025-06-24 07:47 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-06/24/2025 <br> Counter- - Due Diligence Vendor-06/24/2025 <br> Counter-\*\*\*Received partial cure package; missing copy of refund check. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Seller-06/21/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* In-House Processing Fee to xxx in the amount of xxx was not disclosed to the borrower until the Initial Closing Disclosure dated xxx. There is no evidence of a valid change of circumstance event pursuant to § 1026.19(e)(3)(iv), for this type of charge, not disclosed in the Initial Loan Estimate, to be an added charge to the borrower. 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/27/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-06/21/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-06/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.79 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.61% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1121157 |  | D B A C | Closed | finding-3631 | 2025-05-21 16:07 | 2025-06-24 07:47 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-06/24/2025 <br> Resolved- - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/24/2025 <br> Counter-\*\*\*Received partial cure package; missing copy of refund check. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/21/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* In-House Processing Fee to xxx in the amount of xxx was not disclosed to the borrower until the Initial Closing Disclosure dated xxx. There is no evidence of a valid change of circumstance event pursuant to § 1026.19(e)(3)(iv), for this type of charge, not disclosed in the Initial Loan Estimate, to be an added charge to the borrower. 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/27/2025 <br> Open-\*\*\*\* Finding in relation to fee increases - Due Diligence Vendor-05/27/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/21/2025 |  | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-06/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.79 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.61% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1121157 |  | D B A C | Closed | FCRE1316 | 2025-05-20 06:55 | 2025-06-13 15:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/12/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/20/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/13/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.79 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.61% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1121157 |  | D B A C | Closed | FCRE2109 | 2025-05-20 06:55 | 2025-06-13 15:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. - Seller-06/12/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-06/13/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.79 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.61% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1121155 |  | D A C | Closed | FCRE1193 | 2025-05-27 18:51 | 2025-06-13 08:21 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 46.43% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Audited DTI is missing subject gross rent per 1007 in the file: $xxx. $xxx\*25% vacancy = $xxx and subject negative cash flow should be $xxx and not $xxx. - Buyer-06/11/2025 <br> Open-Audited DTI of 57.85% exceeds Guideline DTI of 50% Lender DTI 47.78%, Review 57.85%, Variance 10.07%. DTI Variance due to lender not including all HOA monthly amounts and current payment on primary residence 2nd. - Due Diligence Vendor-05/27/2025 |  | Resolved-Audited DTI of 46.43% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/13/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.16 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.18 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1121155 |  | D A C | Closed | FCOM1232 | 2025-05-20 02:39 | 2025-06-13 08:20 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/13/2025 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-05/20/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/13/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.16 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.18 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1121155 |  | D A C | Closed | FCRE1176 | 2025-05-27 18:35 | 2025-06-13 08:13 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-HO-6 Insurance Policy Effective Date of xxx is prior to or equal to the Note Date of xxx Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/13/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx - Due Diligence Vendor-05/27/2025 |  | Resolved-HO-6 Insurance Policy Effective Date of xxx is prior to or equal to the Note Date of xxx Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-06/13/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession Byx Ten (10) Years Or More - 15.16 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.18 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123133 |  | C A | Closed | FCRE1194 | 2025-06-09 09:07 | 2025-06-12 09:47 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. xxx product loan which we allow up to 80% LTV. uploaded xxx matrix - Buyer-06/11/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% Loan closed a LTV/CLTV of 80%, and guidelines allow for a maximum of 75%. A lender exception was not provided for LTV/CLTV that exceeds guidelines. - Due Diligence Vendor-06/09/2025 |  | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/12/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.03 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.52 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123134 |  | D A | Closed | FCRE1258 | 2025-06-04 12:25 | 2025-06-11 14:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Resolved-Appraisal Review provided. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. The desk review report was included in p.xxx of credit package. Uploaded Desk review again showing the reviewer marked as "accept as is" - Buyer-06/09/2025 <br> Open-Please verify Collateral Underwriter Score Provided is actually Missing. Second Valuation is missing in loan file. - Due Diligence Vendor-06/04/2025 |  | Resolved-Appraisal Review provided. - Due Diligence Vendor-06/11/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.51% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.68 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73.63 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 1123137 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 1123138 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 1123135 |  | D A | Closed | FCRE1194 | 2025-06-11 08:13 | 2025-06-12 09:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Qualified with xxx product which we allow up to 80% LTV. Uploaded xxx Matrix. - Buyer-06/11/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% LTV is 5% greater than max allowed. - Due Diligence Vendor-06/11/2025 |  | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/12/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.92 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.44% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123135 |  | D A | Closed | FCRE1764 | 2025-06-11 03:02 | 2025-06-12 09:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Mortgage statement (not escrowed), Property report & HOI Provided for xxx and Mortgage statement (ecrowed) Property report & HOI for "xxx provided - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Uploaded - Buyer-06/11/2025 <br> Open-Mortgage statement is missing For the REO property address "xxx and "xxx" - Due Diligence Vendor-06/11/2025 |  | Resolved-Mortgage statement (not escrowed), Property report & HOI Provided for xxx and Mortgage statement (ecrowed) Property report & HOI for "xxx provided - Due Diligence Vendor-06/12/2025 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.92 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.44% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123136 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1123141 |  | D A | Closed | FCOM2630 | 2025-06-09 14:00 | 2025-06-11 10:56 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-06/10/2025 <br>Open-Right To Choose Attorney or Attorney Preference Not In File Validated - Due Diligence Vendor-06/09/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 220.53 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.14 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123143 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123147 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123145 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123146 |  | D A | Closed | FCOM1252 | 2025-06-10 10:03 | 2025-06-23 10:07 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-\*\*Received all initial disclosures, LEs, and CDs. - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. Uploaded whole disclosure package - Seller-06/20/2025 <br>Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Please provide complete TRID disclosure history. All issued TRID disclosure(s) with associated Changed Circumstance Detail form(s), if applicable, and proof of delivery(s), have not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/13/2025 <br>Open-Missing loan estimation, Revised loan estimation, Service provider List, - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. Uploaded whole disclosure package - Seller-06/20/2025<br>| Resolved-\*\*Received all initial disclosures, LEs, and CDs. - Due Diligence Vendor-06/23/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.54 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.23% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1123146 |  | D A | Closed | FCOM1797 | 2025-06-10 10:03 | 2025-06-23 10:07 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-\*\*Received all initial disclosures, LEs, and CDs. - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-06/20/2025 <br>Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-06/13/2025 |  | Resolved-\*\*Received all initial disclosures, LEs, and CDs. - Due Diligence Vendor-06/23/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.54 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.23% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1123146 |  | D A | Closed | FCOM4227 | 2025-06-10 10:04 | 2025-06-23 10:07 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received all initial disclosures, LEs, and CDs. - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-06/20/2025 <br>Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Please provide complete TRID disclosure history. All issued TRID disclosure(s) with associated Changed Circumstance Detail form(s), if applicable, and proof of delivery(s), have not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/13/2025 <br>Open-Missing initial closing disclosure and final closing disclosure - Due Diligence Vendor-06/10/2025 |  | Resolved-\*\*Received all initial disclosures, LEs, and CDs. - Due Diligence Vendor-06/23/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.54 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.23% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1123146 |  | D A | Closed | FCOM1266 | 2025-06-10 09:58 | 2025-06-23 09:59 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. Uploaded - Seller-06/20/2025 <br>Open-Homeownership Counseling Disclosure Is Missing . \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. Uploaded - Seller-06/20/2025<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/23/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.54 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.23% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1123146 |  | D A | Closed | FCOM1544 | 2025-06-10 09:55 | 2025-06-23 09:55 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-06/20/2025 <br>Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Please provide complete TRID disclosure history. All issued TRID disclosure(s) with associated Changed Circumstance Detail form(s), if applicable, and proof of delivery(s), have not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/13/2025 <br>Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-06/12/2025 |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/23/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.54 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.23% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1123148 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1123149 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1123150 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123151 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123152 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123156 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1123157 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123162 |  | C A | Closed | FCRE1193 | 2025-06-11 13:48 | 2025-06-12 09:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 48.85% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Qualified with xxx product which we allow max DTI of 50%. uploaded xxx matrix. - Buyer-06/11/2025 <br> Open-Audited DTI of 48.85% exceeds Guideline DTI of 43% Loan closed a DTI of 49.82%. Guidelines allow for a maximum DTI of 43%. A lender exception for DTI that exceeds maximum guideline was not provided. - Due Diligence Vendor-06/11/2025 |  | Resolved-Audited DTI of 48.85% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/12/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123164 |  | C A | Closed | FCRE1193 | 2025-06-09 02:21 | 2025-06-12 09:45 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 46.36% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. 1. This loan was qualified with xxx loan. Attached xxx matrix showing we allow up to 50%<br> 2. xxx mortgage payment was paid by third party (xxx). Uploaded xxx statement (12 months) with under the third party's name to show that it was paid by the xxx - Buyer-06/11/2025 <br> Open-Audited DTI of 57.46% exceeds Guideline DTI of 43% Guidelines allow for a maximum DTI of 43%. The loan closed with a DTI of 48.65%. After review DTI moves to 57.46%, due to mortgage debt $xxx for xxx not being calculated into the DTI. - Due Diligence Vendor-06/09/2025 |  | Resolved-Audited DTI of 46.36% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/12/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.70 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1123164 |  | C A | Closed | FCRE1197 | 2025-06-09 02:21 | 2025-06-12 09:45 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of xxx - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Uploaded previous xxx matrix showing minimum Fico score requirement was xxx. - Buyer-06/11/2025 <br> Open-Audited FICO of xxx is less than Guideline FICO of xxx - Due Diligence Vendor-06/09/2025 |  | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of xxx - Due Diligence Vendor-06/12/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.70 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 1123165 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123166 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 1123168 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123167 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1123169 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 1123171 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 1123172 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123173 |  | D A | Closed | FCRE5116 | 2025-06-12 06:18 | 2025-06-24 00:47 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-VOR provided for borrower showing no issues with prior rental history. - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-06/23/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Borrower is staying in rent , VOR is Not Provided - Due Diligence Vendor-06/12/2025 |  | Resolved-VOR provided for borrower showing no issues with prior rental history. - Due Diligence Vendor-06/24/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.40 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.05 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 1123174 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1123176 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1123178 |  | C A | Closed | FCRE1176 | 2025-06-06 10:02 | 2025-06-11 10:13 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-PCCD in file states Disbursement date as xxx - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/09/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx - Due Diligence Vendor-06/06/2025 |  | Resolved-PCCD in file states Disbursement date as xxx - Due Diligence Vendor-06/11/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.21 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.53 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123177 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123179 |  | D A C | Closed | FCRE1295 | 2025-06-13 10:18 | 2025-06-24 07:49 | Resolved | 1 - Information C A | Credit | Income | Income 4 Months Income Verified is Missing | Resolved-Income 4 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Uploaded Appraisal form 1025 which included rental lease (p.xxx) - Buyer-06/20/2025 <br> Open-Income 4 Months Income Verified is Missing Loan was qualified with rental income for the subject property, which was not documented in the loan file with a rental lease or Form 1007. - Due Diligence Vendor-06/13/2025 |  | Resolved-Income 4 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-06/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.17 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123179 |  | D A C | Closed | FCRE1194 | 2025-06-13 10:20 | 2025-06-24 07:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Was qualified as xxx product which allowed up to 80%. Uploaded xxx showing the tract income level as "Moderate" - Buyer-06/20/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% Loan closed with a LTV/CLTV of 80%, and maximum per guidelines is 75%. A lenders exception for LTV.CLTV that exceeds maximum was not provided. - Due Diligence Vendor-06/13/2025 |  | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.17 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123179 |  | D A C | Closed | FCRE1193 | 2025-06-13 10:20 | 2025-06-24 07:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 45.3% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/24/2025 <br> Ready for Review-xxx loan which we allow max DTI as 45/50 - Seller-06/20/2025 <br> Open-Audited DTI of 45.3% exceeds Guideline DTI of 43% Loan closed with a DTI of 45.3%, and the maximum allowed per guidelines is 43%. A lender exception for DTI that exceeds the maximum allowed was not provided. - Due Diligence Vendor-06/13/2025 | Ready for Review-xxx loan which we allow max DTI as 45/50 - Seller-06/20/2025 | Resolved-Audited DTI of 45.3% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.17 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123179 |  | D A C | Closed | FPRO1242 | 2025-06-12 08:29 | 2025-06-24 00:53 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-06/20/2025 <br>Open-Appraisal is Missing Appraisal Form 1025 was not provided.<br> - Due Diligence Vendor-06/12/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-06/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.17 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123180 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123181 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1123182 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1123184 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 1123185 |  | C A | Closed | FCRE1197 | 2025-06-13 11:19 | 2025-06-24 07:51 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of xxx - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. xxx file which we allowed MIn Fico of xxx. Uploaded Matrix. - Buyer-06/20/2025 <br> Open-Audited FICO of xxx is less than Guideline FICO of xxx The loan closed with a FICO score of xxx. The minimum credit score per guidelines is xxx. A lender exception for credit score below the minimum allowed, was not provided. - Due Diligence Vendor-06/13/2025 |  | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of xxx - Due Diligence Vendor-06/24/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123186 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123187 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123192 |  | D A | Closed | FCRE7497 | 2025-06-10 18:30 | 2025-06-25 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Borrower attested to having no HOA. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. Per borrower, he does not have HOA fee on this property (not going with xxx website). Uploaded LOE - Buyer-06/24/2025 <br> Counter-Document Uploaded. Per xxx search the xxx does list HOA fees. A Property can be a SFR and still have an HOA fee. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. This is SFR. uploaded part of the property profile. - Buyer-06/20/2025 <br> Open-Other property HOA is missing - Due Diligence Vendor-06/10/2025 |  | Resolved-Borrower attested to having no HOA. - Due Diligence Vendor-06/25/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.48 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123193 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 1123194 |  | C A | Closed | FCRE1195 | 2025-06-04 05:59 | 2025-06-16 11:12 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 75% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-06/16/2025 <br> Ready for Review-xxx loan which allows up to 80%CLTV - Buyer-06/13/2025 <br> Open-Audited CLTV of 75% exceeds Guideline CLTV of 70% - Due Diligence Vendor-06/04/2025 |  | Resolved-Audited CLTV of 75% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-06/16/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123194 |  | C A | Closed | FCRE1194 | 2025-06-04 05:59 | 2025-06-16 11:12 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-06/16/2025 <br> Ready for Review-xxx loan which allows up to 80%LTV - Buyer-06/13/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% - Due Diligence Vendor-06/04/2025 |  | Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-06/16/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123196 |  | D A | Closed | FCRE6914 | 2025-06-04 13:09 | 2025-06-11 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-US Patriot Act Form - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Uploaded Patriot Act forms & DL for both borrowers - Buyer-06/09/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) US Patriot Act and DL corrupt. Cannot open page. - Due Diligence Vendor-06/04/2025 |  | Resolved-US Patriot Act Form - Due Diligence Vendor-06/11/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.19 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.41 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.53 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123196 |  | D A | Closed | FCRE6019 | 2025-06-04 13:09 | 2025-06-11 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-US Patriot Act Form - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. Attaching USA Patriot Act form & DL for both borrowers - Buyer-06/09/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing US Patriot Act and DL corrupt. Cannot open page. - Due Diligence Vendor-06/04/2025 |  | Resolved-US Patriot Act Form - Due Diligence Vendor-06/11/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.19 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.41 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.53 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123197 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123198 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1123200 |  | D A | Closed | FCRE1355 | 2025-06-05 12:11 | 2025-06-12 08:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 CPA Letter Missing | Resolved-Borrower 2 CPA Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. On p.xxx of credit package, there was CPA letter stating that xxx has 100% ownership & owned for the last 9 years. Uploaded CPA letter again. - Buyer-06/09/2025 <br> Open-Borrower 2 CPA Letter Missing A CPA letter documenting a two year self-employment history was not provided. - Due Diligence Vendor-06/05/2025 |  | Resolved-Borrower 2 CPA Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/12/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 29.63% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.18 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 226.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.18 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123201 |  | D A | Closed | FCRE6019 | 2025-06-04 03:00 | 2025-06-12 09:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved- - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. Uploaded USA patriot Act form & Passport/Driver License - Seller-06/11/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Uploaded USA patriot Act form & Passport/Driver License - Seller-06/11/2025<br>|  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.52% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 131.89 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.57 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123201 |  | D A | Closed | FCOM1229 | 2025-06-05 00:07 | 2025-06-12 09:23 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved- - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. Uploaded - Seller-06/11/2025 <br>Open-1-4 Family Rider is Missing - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Uploaded - Seller-06/11/2025<br>|  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.52% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 131.89 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.57 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123201 |  | D A | Closed | FCOM1220 | 2025-06-04 02:51 | 2025-06-12 09:22 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-06/11/2025 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-06/04/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-06/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.52% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 131.89 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.57 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123201 |  | D A | Closed | FCOM1206 | 2025-06-04 02:50 | 2025-06-12 09:20 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-06/11/2025 <br>Open-The Note is Missing - Due Diligence Vendor-06/04/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-06/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.52% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 131.89 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.57 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123201 |  | D A | Closed | FCOM8844 | 2025-06-11 14:13 | 2025-06-11 14:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-06/11/2025 <br>Open-Business purpose affidavit is missing. - Due Diligence Vendor-06/11/2025 |  | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-06/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.52% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 131.89 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.57 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123202 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1123204 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123205 |  | D A | Closed | FCRE1241 | 2025-06-13 03:03 | 2025-06-24 00:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Is Missing Contract and all addendums provided. - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-06/20/2025 <br>Open-Purchase Contract Is Missing in file - Due Diligence Vendor-06/13/2025 |  | Resolved-Purchase Contract Is Missing Contract and all addendums provided. - Due Diligence Vendor-06/24/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.01 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.82 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123208 |  | C A | Closed | FCRE1195 | 2025-06-09 15:07 | 2025-06-12 08:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. This loan was qualified as xxx product that we allow up to CLTV of 80% - Buyer-06/09/2025 <br> Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% - Due Diligence Vendor-06/09/2025 |  | Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-06/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123208 |  | C A | Closed | FCRE1194 | 2025-06-09 15:07 | 2025-06-12 08:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. This loan was qualified as xxx product which we allow up to 80% LTV. uploaded xxx showing the income census tract as "Moderate" and xxx matrix. - Buyer-06/09/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-06/09/2025 |  | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 | Audited LTV of 80% exceeds Guideline LTV of 75% | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123212 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 1123214 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123216 |  | D A | Closed | FCOM8844 | 2025-06-11 10:05 | 2025-06-11 10:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-06/11/2025 <br>Open-Missing business purpose affidavit - Due Diligence Vendor-06/11/2025 |  | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-06/11/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123217 |  | D A C | Closed | FPRO1244 | 2025-06-04 23:15 | 2025-06-16 11:22 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review Provided. - Due Diligence Vendor-06/16/2025 <br>Ready for Review-Document Uploaded. Uploaded Appraisal report & desk review - Buyer-06/13/2025 <br>Open-3rd property valuation product is missing for subject property. - Due Diligence Vendor-06/05/2025 |  | Resolved-Desk review Provided. - Due Diligence Vendor-06/16/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.31% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123217 |  | D A C | Closed | FCRE1194 | 2025-06-10 08:24 | 2025-06-16 11:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/16/2025 <br> Ready for Review-xxx loan which allowed up to 80% LTV - Buyer-06/13/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% Loan closed a LTV/CLTV of 80%, and guidelines allow for a maximum of 75%. A lender exception was not provided for LTV/CLTV that exceeds guidelines. - Due Diligence Vendor-06/10/2025 |  | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/16/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.31% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123219 |  | C A | Closed | FCRE1194 | 2025-06-04 14:13 | 2025-06-12 08:05 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. This loan was qualified as xxx program which we allow up to 80% LTV. Uploaded xxx showing the income tract as "Moderate" and xxx matrix. - Buyer-06/09/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% Max LTV per guides is 75%. LTV is 5% over max allowed. - Due Diligence Vendor-06/05/2025 |  | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/12/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.62% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123220 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123223 |  | C A | Closed | FCRE1195 | 2025-06-04 04:54 | 2025-06-12 09:49 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. This loan was qualified as xxx product which we allow up to 80% for LTV/CLTV. Uploaded xxx matrix with xxx showing as "Moderate" - Buyer-06/10/2025 <br> Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% - Due Diligence Vendor-06/10/2025 |  | Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-06/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.51% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.58 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.26 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.26 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123223 |  | C A | Closed | FCRE1194 | 2025-06-04 04:54 | 2025-06-12 09:49 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Uploaded xxx matrix with xxx showing as "Moderate" income census tract - Buyer-06/10/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-06/10/2025 |  | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.51% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.58 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.26 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.26 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123224 |  | C A | Closed | FPRO7505 | 2025-06-04 13:08 | 2025-06-06 12:34 | Resolved | 1 - Information A | Property | Data | Verify Desk Review Score | Resolved-Appraisal Desk review Provided - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. Attached Desk Review Report. the appraiser confirmed the opinion and validated that all information is complete and accurate. No score provided. - Buyer-06/04/2025 <br> Open-As per the Appraisal GL up to xxx one Full appraisal and one desk review is required - Due Diligence Vendor-06/04/2025 |  | Resolved-Appraisal Desk review Provided - Due Diligence Vendor-06/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.75 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.25 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123224 |  | C A | Closed | FCRE1159 | 2025-06-04 14:02 | 2025-06-06 12:30 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. The original hazard insurance is included in the closing package page xxx. (Will be in closing package for all loans that start with "xxx") The current hazard insurance will be located in the due diligence package for all loans. Attached the original anyway with effective date of xxx. The disbursement per Final Settlement statement (Credit package) and post-close CD (Disclosure package) is xxx. - Buyer-06/04/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-06/04/2025 |  | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/06/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.75 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.25 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123225 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 1123226 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123228 |  | D A | Closed | FCRE1503 | 2025-06-11 16:06 | 2025-06-24 07:20 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Rent Free Letter Provided. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. She resided with her sister (xxx) , and the sister provided the letter of explanation stating that the borrower lived rent free with her. Uploaded LOE. xxx is the investment property (already included in DTI) - Buyer-06/20/2025 <br> Counter-Document Uploaded. The Final 1003 and Property report states Borrower owns xxx and Per Guidelines: If borrower "does not own a primary residence", but does own an investment property, a Verification of Rent (VOR) will be required to satisfy primary residence housing expense. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-The borrower does not have any related address "xxx". Currently, the borrower resides in xxx & xxx. - Buyer-06/12/2025 <br> Counter-Per Guidelines: If borrower "does not own a primary residence", but does own an investment property, a Verification of Rent (VOR) will be required to satisfy primary residence housing expense. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. According to final 1003, the borrower does not own xxx. Need the clarification. Uploaded final 1003. - Seller-06/11/2025 <br> Open-Missing mortgage statement for xxx. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. According to final 1003, the borrower does not own xxx. Need the clarification. Uploaded final 1003. - Seller-06/11/2025 | Resolved-Rent Free Letter Provided. - Due Diligence Vendor-06/24/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.61 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.42 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123228 |  | D A | Closed | FCRE1182 | 2025-06-06 07:39 | 2025-06-12 08:54 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-06/11/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/06/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/12/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.61 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.42 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123228 |  | D A | Closed | FCRE1194 | 2025-06-06 07:39 | 2025-06-12 08:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Qualified with xxx program. Uploaded xxx matrix which we allow up to 80% LTV - Buyer-06/11/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-06/06/2025 |  | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/12/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.61 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.42 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123228 |  | D A | Closed | FCRE1193 | 2025-06-06 07:39 | 2025-06-12 08:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.77% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. xxx qualified loan, attached xxx matrix (allow up to 50%) along with xxx showing as "Moderate" - Buyer-06/11/2025 <br> Open-Audited DTI of 49.77% exceeds Guideline DTI of 43% Audited DTI of 49.77% exceeds Guideline DTI of 43% - Due Diligence Vendor-06/06/2025 |  | Resolved-Audited DTI of 49.77% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/12/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.61 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.42 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123228 |  | D A | Closed | FCRE1253 | 2025-06-11 15:47 | 2025-06-12 08:52 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Uploaded Tax certificate (P.xxx) showing xxx County tax rate shows as xxx; city of xxx rate as xxx; xxx ISD rate shows as xxx. - Seller-06/11/2025 <br> Open-Missing Property Tax Cert xxx County and xxx County ISD Tax information not provided. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Uploaded Tax certificate (P.xxx) showing xxx County tax rate shows as xxx; city of xxx rate as xxx; xxx ISD rate shows as xxx. - Seller-06/11/2025 | Resolved-Property Tax Cert Provided - Due Diligence Vendor-06/12/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.61 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.42 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123228 |  | D A | Closed | FCRE1764 | 2025-06-06 08:25 | 2025-06-12 08:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Mortgage statement (escrowed) Property report & HOI Policy forxxx - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Uploaded all necessary documents for xxx. - Seller-06/11/2025 <br> Open-Missing Mortgage Statement, tax and insurance for xxx. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. Uploaded all necessary documents for xxx. - Seller-06/11/2025 | Resolved-Mortgage statement (escrowed) Property report & HOI Policy for xxx - Due Diligence Vendor-06/12/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.61 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.42 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123228 |  | D A | Closed | FPRO1242 | 2025-06-11 15:52 | 2025-06-12 08:47 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. Uploaded Appraisal report & Desk Review - Seller-06/11/2025 <br>Open-Appraisal is Missing Missing Desk Review. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Uploaded Appraisal report & Desk Review - Seller-06/11/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-06/12/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.61 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.42 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123228 |  | D A | Closed | FCOM1232 | 2025-06-06 05:52 | 2025-06-12 08:45 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-06/11/2025 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-06/06/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/12/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.61 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.42 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123228 |  | D A | Closed | FCOM1231 | 2025-06-11 15:19 | 2025-06-12 08:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-06/11/2025 <br>Open-The Initial 1003 is Missing Initial 1003 missing. - Due Diligence Vendor-06/11/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/12/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.61 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.42 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123501 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 1123505 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1123508 |  | D A | Closed | FCRE1197 | 2025-06-09 16:04 | 2025-06-12 18:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of xxx - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Credit report submitted under the other condition. - Buyer-06/11/2025 <br> Open-Audited FICO of is less than Guideline FICO of xxx , missing credit report, submitted w/xxx fico. - Due Diligence Vendor-06/10/2025 |  | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of xxx - Due Diligence Vendor-06/12/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.32 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months. Months Reserves Of 27.32 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123508 |  | D A | Closed | FCRE5770 | 2025-06-09 16:03 | 2025-06-12 18:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Credit report shows xxx mid score attached. - Buyer-06/11/2025 <br> Open-Borrower 1 Credit Report is Missing. Per approval, credit score xxx & minimum tradeline requirement waived with 3 fico scores. - Due Diligence Vendor-06/09/2025 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/12/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.32 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months. Months Reserves Of 27.32 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123507 |  | D A | Closed | FCRE1241 | 2025-06-08 23:36 | 2025-06-11 13:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/09/2025 <br>Open-Purchase Contract Is Missing . - Due Diligence Vendor-06/09/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-06/11/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points. Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More. Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123506 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1123503 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 1123504 |  | C A B | Closed | FCOM1266 | 2025-06-10 13:38 | 2025-06-25 12:21 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/25/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/25/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/25/2025 <br>Open-Homeownership Counseling Disclosure Is Missing Validated \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-06/10/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/25/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/25/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 14.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123504 |  | C A B | Closed | FCOM1797 | 2025-06-10 13:40 | 2025-06-17 10:45 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Tested at 10% - no tolerance violation - Due Diligence Vendor-06/17/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/16/2025 <br>Open-Service Provider List is Missing \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-06/10/2025 |  | Resolved-Tested at 10% - no tolerance violation - Due Diligence Vendor-06/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 14.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123504 |  | C A B | Closed | FCRE6763 | 2025-06-10 15:17 | 2025-06-13 13:10 | Resolved | 1 - Information C A | Credit | Income | Income documentation does not meet guidelines | Resolved-Business License Provided. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. See Secretary of State filing attached. - Buyer-06/11/2025 <br> Open-Missing confirmation that business or professional occupation does not require a license per xxx GL effective xxx. - Due Diligence Vendor-06/10/2025 |  | Resolved-Business License Provided. - Due Diligence Vendor-06/13/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 14.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123509 |  | C A | Closed | FCRE1197 | 2025-06-10 14:08 | 2025-06-12 18:18 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of xxx - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Credit reports attached - Buyer-06/11/2025 <br> Open-Audited FICO of is less than Guideline FICO of xxx Audited FICO of "missing scores" is less than Guideline FICO of xxx. Transmittal Summary reflects scores of xxx/xxx. Minimum xxx required. - Due Diligence Vendor-06/10/2025 |  | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of xxx - Due Diligence Vendor-06/12/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.1 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months. Months Reserves Of 79.1 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More.<br> Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123511 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1123512 |  | D A C | Closed | FCRE1118 | 2025-06-07 02:21 | 2025-06-11 08:04 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Note provided - Due Diligence Vendor-06/11/2025 <br>Ready for Review-See copy of Note uploaded in other condition. Signatures match. - Buyer-06/09/2025 <br>Open-Borrower 1 Signature does not match Note Note Doc is missing . So cannot verify the borrower signature - Due Diligence Vendor-06/07/2025 |  | Resolved-Note provided - Due Diligence Vendor-06/11/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 199.76 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123512 |  | D A C | Closed | FCOM1206 | 2025-06-07 02:07 | 2025-06-11 08:03 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/09/2025 <br>Open-The Note is Missing Note Doc is missing . - Due Diligence Vendor-06/07/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-06/11/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 199.76 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123513 |  | C A | Closed | FCRE1198 | 2025-06-09 17:14 | 2025-06-16 13:50 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploadedx. Additional asset statement and updated 1008 & URLA reflecting more assets for reserves. - Buyer-06/13/2025 <br> Open-Audited Reserves of xxx are less than Guideline Required Reserves of 3 Audited Reserves of xxx months, $xxx, are less than Guideline Required Reserves of 3 months required, $xxx. - Due Diligence Vendor-06/09/2025 |  | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-06/16/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points. Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More. Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123513 |  | C A | Closed | FVAL5257 | 2025-06-09 06:43 | 2025-06-11 13:38 | Resolved | 1 - Information C A | Property | Appraisal | Appraiser's license is expired/deficient | Resolved- - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Appraiser License from xxx xxx for xxx attached. - Buyer-06/10/2025 <br> Open-Please provide Correct Information for the Appraiser License "xxx " and Appraiser name " xxx ". However its not showing in the Website in the state of xxx. - Due Diligence Vendor-06/09/2025 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points. Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More. Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1123516 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1123517 |  | D A | Closed | FCRE1198 | 2025-06-16 08:32 | 2025-06-24 09:59 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 3 Audited Reserves are less than Guideline Required Reserves of 3. Short verified funds to close. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-06/24/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points. Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123517 |  | D A | Closed | FCRE7000 | 2025-06-16 08:28 | 2025-06-24 09:59 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/24/2025 <br> Open-Total Liquid Assets Available for Close of $xxx is less than Total Cash to Close $xxx. Total Liquid Assets Available for Close of $xxx is less than Total Cash to Close $xxx. File contains single month statement only from xxx. - Due Diligence Vendor-06/16/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-06/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points. Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123517 |  | D A | Closed | FCRE1316 | 2025-06-16 08:14 | 2025-06-24 09:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/24/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-06/16/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points. Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123517 |  | D A | Closed | FCRE1317 | 2025-06-16 08:14 | 2025-06-24 09:58 | Resolved | 1 - Information C A | Credit | Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Borrower 1 Total Years Employment Verified is Greater Than or Equal To 24 Months - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Employment start date xxx. - Buyer-06/24/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months. - Due Diligence Vendor-06/16/2025 |  | Resolved-Borrower 1 Total Years Employment Verified is Greater Than or Equal To 24 Months - Due Diligence Vendor-06/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points. Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123518 |  | D A | Closed | FCRE1500 | 2025-06-11 15:21 | 2025-06-13 14:59 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-I-797A from xxx confirming Approval Notice Class: E2 renewal provided. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-See the Visa I-797A with application of extension uploaded to the other condition. - Buyer-06/11/2025 <br> Open-B1 is a non-permanent resident alien with no evidence of an acceptable VISA with a minimum 90 days remaining or proof of request for extension. - Due Diligence Vendor-06/11/2025 |  | Resolved-I-797A from xxx confirming Approval Notice Class: E2 renewal provided. - Due Diligence Vendor-06/13/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 11.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More. Calculated DTI Of 38.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points. Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1123518 |  | D A | Closed | FCRE1826 | 2025-06-07 01:49 | 2025-06-13 14:59 | Resolved | 1 - Information D A | Credit | Missing Doc | US Driver's License or other US or foreign government-issued photo ID Missing | Resolved-I-797A from xxx confirming Approval Notice Class: E2 renewal provided. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. See attached Visa I-797A with application of extension. - Buyer-06/11/2025 <br> Open-Non- Permanent Resident Card Missing. Guidelines require evidence with a minimum of 90 days remaining on the expiration date. - Due Diligence Vendor-06/07/2025 |  | Resolved-I-797A from xxx confirming Approval Notice Class: E2 renewal provided. - Due Diligence Vendor-06/13/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 11.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More. Calculated DTI Of 38.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points. Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1124522 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 1124526 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1124524 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1125065 |  | D A | Closed | FCOM4227 | 2025-06-23 15:36 | 2025-07-14 17:46 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. - Seller-07/11/2025 <br>Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points. Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More. Calculated DTI Of 40.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.5% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 64.5% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 1125065 |  | D A | Closed | FCOM1232 | 2025-06-23 01:54 | 2025-07-14 17:45 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. - Seller-07/11/2025 <br>Open-The Final 1003 is Missing. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points. Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Pointsx<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More. Calculated DTI Of 40.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.5% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 64.5% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 1125065 |  | D A | Closed | finding-47 | 2025-06-23 15:34 | 2025-07-14 16:57 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025 <br> Resolved- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/11/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-06/24/2025 <br> Open- - Due Diligence Vendor-06/24/2025 <br> Open- - Due Diligence Vendor-06/23/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points. Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More. Calculated DTI Of 40.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.5% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 64.5% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 1125065 |  | D A | Closed | FCRE1157 | 2025-06-23 03:08 | 2025-06-27 13:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/25/2025 <br> Open-Missing Hazard Insurance Policy. Used monthly cost per the Initial Escrow Account Disclosure Statement from, see pg xxx. - Due Diligence Vendor-06/23/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/27/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points. Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More. Calculated DTI Of 40.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.5% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 64.5% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 1125070 |  | D A | Closed | FPRO1242 | 2025-06-23 12:39 | 2025-06-24 10:05 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/24/2025 <br>Open-Appraisal is Missing. - Due Diligence Vendor-06/23/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-06/24/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.95% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 49.95% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1125067 |  | D A C | Closed | FCOM1232 | 2025-06-20 16:07 | 2025-07-14 14:40 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. - Seller-07/11/2025 <br>Open-The Final 1003 is Missing. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points. Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.51% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More. Original LTV Of 36.51% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.10 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.10 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01. Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1125067 |  | D A C | Closed | FCOM2276 | 2025-06-24 15:49 | 2025-07-14 14:40 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Open-\*\*\*\*\*\*\* Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points. Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.51% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More. Original LTV Of 36.51% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.10 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.10 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01. Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1125067 |  | D A C | Closed | finding-3712 | 2025-06-24 15:42 | 2025-07-14 14:38 | Resolved | 1 - Information C A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025 <br> Resolved- - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/11/2025 <br> Open- - Due Diligence Vendor-06/24/2025 <br> Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($xxx) exceeds the per diem interest charge or credit threshold ($xxx).PLEASE NOTE: An additional $xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-06/24/2025 <br> Open- - Due Diligence Vendor-06/24/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points. Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.51% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More. Original LTV Of 36.51% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.10 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.10 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01. Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1125067 |  | D A C | Closed | FCRE1482 | 2025-06-23 14:54 | 2025-06-27 13:27 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/26/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements. Missing gift letter for $xxx. - Due Diligence Vendor-06/23/2025 |  | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-06/27/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points. Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.51% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More. Original LTV Of 36.51% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.10 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.10 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01. Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1124736 |  | D A | Closed | FCRE8639 | 2025-07-11 15:53 | 2025-07-14 08:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Property is vested in an individual (a single woman). Personal Guaranty not required. - Buyer-07/11/2025 <br>Open-Personal Guaranty is missing. - Due Diligence Vendor-07/11/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-07/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.69 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1124736 |  | D A | Closed | FCOM1232 | 2025-07-10 16:16 | 2025-07-14 08:39 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/11/2025 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-07/10/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.69 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1124739 |  | D A | Closed | FCOM1227 | 2025-07-11 17:05 | 2025-07-14 12:23 | Resolved | 1 - Information A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-PUD Rider provided. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. Complete DOT with PUD rider attached. - Buyer-07/12/2025 <br>Open-PUD Rider is Missing - Due Diligence Vendor-07/11/2025 |  | Resolved-PUD Rider provided. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1124739 |  | D A | Closed | FCOM1232 | 2025-07-10 05:56 | 2025-07-14 12:19 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/12/2025 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-07/10/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 1124743 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1124742 |  | C A B | Closed | FCRE1159 | 2025-07-11 14:06 | 2025-07-14 12:44 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/12/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-07/11/2025 |  | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/14/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.18 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1124742 |  | C A B | Closed | FCOM5135 | 2025-07-10 15:54 | 2025-07-14 09:07 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. See attached no affiliated business attestation. - Buyer-07/12/2025 <br>Open-Required Affiliated Business Disclosure Missing Validated - Due Diligence Vendor-07/10/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/14/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.18 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 1124738 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1124741 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 1124744 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 1124746 |  | D A | Closed | FCRE1157 | 2025-07-11 17:24 | 2025-07-14 12:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/12/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-07/11/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/14/2025<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |

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## Exhibit 99.2

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.2 - Schedule 2**

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 1121167 |  |  | xxx A |
| 1121165 |  |  | xxx A |
| 1121168 |  |  | xxx A |
| 1121173 |  |  | xxx A |
| 1115877 |  |  | xxx D A |
| 1121187 |  |  | xxx A |
| 1121189 |  |  | xxx A D |
| 1121226 |  |  | xxx A |
| 1121233 |  |  | xxx D A |
| 1121214 |  |  | xxx A |
| 1121219 |  |  | xxx D A |
| 1121216 |  |  | xxx D A |
| 1115879 |  |  | xxx A |
| 1115889 |  |  | xxx D A B |
| 1115881 |  |  | xxx D A B |
| 1115891 |  |  | xxx A |
| 1115890 |  |  | xxx A |
| 1115882 |  |  | xxx C A B |
| 1115887 |  |  | xxx A |
| 1118956 |  |  | xxx A |
| 1118955 |  |  | xxx D A |
| 1118960 |  |  | xxx D A |
| 1118961 |  |  | xxx C A |
| 1118958 |  |  | xxx A D |
| 1118957 |  |  | xxx A |
| 1118959 |  |  | xxx A |
| 1121151 |  |  | xxx A C B |
| 1121154 |  |  | xxx C A |
| 1121152 |  |  | xxx A |
| 1121161 |  |  | xxx A |
| 1121162 |  |  | xxx A |
| 1121150 |  |  | xxx A |
| 1121153 |  |  | xxx A C B |
| 1121156 |  |  | xxx A D |
| 1121159 |  |  | xxx A |
| 1121160 |  |  | xxx A |
| 1121157 |  |  | xxx D C A B |
| 1121155 |  |  | xxx C D A |
| 1123133 |  |  | xxx C A |
| 1123134 |  |  | xxx D A |
| 1123137 |  |  | xxx A |
| 1123138 |  |  | xxx A |
| 1123135 |  |  | xxx D A |
| 1123136 |  |  | xxx A |
| 1123141 |  |  | xxx A D |
| 1123143 |  |  | xxx A |
| 1123147 |  |  | xxx A |
| 1123145 |  |  | xxx A |
| 1123146 |  |  | xxx A D |
| 1123148 |  |  | xxx A |
| 1123149 |  |  | xxx A |
| 1123150 |  |  | xxx A |
| 1123151 |  |  | xxx A |
| 1123152 |  |  | xxx A |
| 1123156 |  |  | xxx A |
| 1123157 |  |  | xxx A |
| 1123162 |  |  | xxx C A |
| 1123164 |  |  | xxx C A |
| 1123165 |  |  | xxx A |
| 1123166 |  |  | xxx A |
| 1123168 |  |  | xxx A |
| 1123167 |  |  | xxx A |
| 1123169 |  |  | xxx A |
| 1123171 |  |  | xxx A |
| 1123172 |  |  | xxx A |
| 1123173 |  |  | xxx D A |
| 1123174 |  |  | xxx A |
| 1123176 |  |  | xxx A |
| 1123178 |  |  | xxx C A |
| 1123177 |  |  | xxx A |
| 1123179 |  |  | xxx C A D |
| 1123180 |  |  | xxx A |
| 1123181 |  |  | xxx A |
| 1123182 |  |  | xxx A |
| 1123184 |  |  | xxx A |
| 1123185 |  |  | xxx C A |
| 1123186 |  |  | xxx A |
| 1123187 |  |  | xxx A |
| 1123192 |  |  | xxx D A |
| 1123193 |  |  | xxx A |
| 1123194 |  |  | xxx C A |
| 1123196 |  |  | xxx D A |
| 1123197 |  |  | xxx A |
| 1123198 |  |  | xxx A |
| 1123200 |  |  | xxx D A |
| 1123201 |  |  | xxx D A |
| 1123202 |  |  | xxx A |
| 1123204 |  |  | xxx A |
| 1123205 |  |  | xxx D A |
| 1123208 |  |  | xxx C A |
| 1123212 |  |  | xxx A |
| 1123214 |  |  | xxx A |
| 1123216 |  |  | xxx A D |
| 1123217 |  |  | xxx C A D |
| 1123219 |  |  | xxx C A |
| 1123220 |  |  | xxx A |
| 1123223 |  |  | xxx C A |
| 1123224 |  |  | xxx C A |
| 1123225 |  |  | xxx A |
| 1123226 |  |  | xxx A |
| 1123228 |  |  | xxx D A |
| 1123501 |  |  | xxx A |
| 1123505 |  |  | xxx A |
| 1123508 |  |  | xxx D A |
| 1123507 |  |  | xxx D A |
| 1123506 |  |  | xxx A |
| 1123503 |  |  | xxx A |
| 1123504 |  |  | xxx C B A |
| 1123509 |  |  | xxx C A |
| 1123511 |  |  | xxx A |
| 1123512 |  |  | xxx C D A |
| 1123513 |  |  | xxx C A |
| 1123516 |  |  | xxx A |
| 1123517 |  |  | xxx D A |
| 1123518 |  |  | xxx D A |
| 1124522 |  |  | xxx A |
| 1124526 |  |  | xxx A |
| 1124524 |  |  | xxx A |
| 1125065 |  |  | xxx D A |
| 1125070 |  |  | xxx A D |
| 1125067 |  |  | xxx C D A |
| 1124736 |  |  | xxx D A |
| 1124739 |  |  | xxx A D |
| 1124743 |  |  | xxx A |
| 1124742 |  |  | xxx C B A |
| 1124738 |  |  | xxx A |
| 1124741 |  |  | xxx A |
| 1124744 |  |  | xxx A |
| 1124746 |  |  | xxx D A |

---

## Exhibit 99.2

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.2 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 1121167 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 1121165 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 66.77 | 66.77 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1121168 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 1121173 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | xxx |
| 1115877 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 64.74 | 64.74 | xxx | xxx | -.0316 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0316 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1121187 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 1121189 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | xxx |
| 1121226 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 53.44 | 53.44 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 1121233 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | xxx |
| 1121214 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 60.0 | 60.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 1121219 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 60.0 | 60.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1121216 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1115879 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | xxx | -.0049 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0049 | 98.0 | 0.02 | xxx | ClearAVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 2 |  |
| 1115889 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 38.89 | 38.89 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 |  |
| 1115881 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1115891 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 65.57 | 65.57 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1115890 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1115882 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1115887 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 35.62 | 35.62 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible |  |  |
| 1118956 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 40.0 | 40.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1118955 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1118960 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 1118961 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 64.58 | 64.58 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 1118958 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 40.0 | 40.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1118957 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1118959 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1121151 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 74.69 | 74.69 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1121154 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 51.63 | 51.63 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 1121152 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 58.62 | 58.62 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1121161 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1121162 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 1121150 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1121153 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 74.94 | 74.94 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1121156 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1121159 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 1121160 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1121157 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 31.61 | 31.61 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1121155 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1123133 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1123134 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 35.0 | 35.0 | xxx | 0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1123137 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 36.31 | 36.31 | xxx | xxx | .0635 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0635 | 86.0 | 0.14 | xxx | CA Value MC AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123138 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.3 | xxx |
| 1123135 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | As/Is | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123136 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |
| 1123141 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 1123143 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123147 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 43.09 | 43.09 | xxx | 0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1123145 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | xxx |
| 1123146 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 79.92 | 79.92 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 3 | xxx |
| 1123148 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 2.2 |  |
| 1123149 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |
| 1123150 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | xxx | -.0321 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0321 | 94.0 | 0.06 | xxx | VeroValue AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123151 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123152 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123156 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 4 | xxx | Not Eligible | 1 | xxx |
| 1123157 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 69.95 | 69.95 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  | xxx | Not Eligible | 1 | xxx |
| 1123162 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 1123164 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 74.07 | 74.07 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 2.4 | xxx |
| 1123165 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 67.85 | 67.85 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 1123166 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 2 |  |
| 1123168 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 52.29 | 52.29 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123167 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 60.0 | 60.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Acceptable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1123169 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 28.72 | 28.72 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | xxx | Not Eligible | 1 | xxx |
| 1123171 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | xxx | -.0891 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0891 | 94.0 | 0.06 | xxx | VeroValue AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123172 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | xxx | .0098 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0098 | 96.0 | 0.04 | xxx | VeroValue AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123173 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | xxx | .0182 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0182 | 96.0 | 0.04 | xxx | iAVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123174 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| 1123176 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 1123178 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 1 | xxx |
| 1123177 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 60.0 | 60.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 1123179 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1123180 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 33.33 | 33.33 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | xxx | Not Eligible | 1 | xxx |
| 1123181 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 1123182 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Acceptable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1123184 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 32.97 | 32.97 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxx | xxx | .0462 | 93.0 | 0.07 | xxx | VeroValue AVM | xxx | xxx | 0 | .0000 | xxx | Accept | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1123185 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxx | xxx | .0417 | 94.0 | 0.06 | xxx | VeroValue AVM | xxx | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1123186 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 50.0 | 50.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123187 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | xxx | -.0174 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0174 | 96.0 | 0.04 | Other | iAVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123192 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123193 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 76.94 | 76.94 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Acceptable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx |
| 1123194 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 1123196 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123197 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1.3 | xxx |
| 1123198 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 62.02 | 62.02 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | As/Is | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123200 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 29.63 | 29.63 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | xxx | Not Eligible | 1.3 | xxx |
| 1123201 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123202 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | AVM |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | 94.0 | 0.06 | xxx | Other | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123204 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 45.21 | 45.21 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Acceptable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1123205 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 79.05 | 79.05 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Acceptable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123208 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.2 | xxx |
| 1123212 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 64.38 | 64.38 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Acceptable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 1123214 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 51.79 | 51.79 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 1123216 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 65.52 | 65.52 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Acceptable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 1123217 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 |  |
| 1123219 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 1123220 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | xxx | xxx | .0824 | 98.0 | 0.02 | xxx | VeroValue AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1 | xxx |
| 1123223 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Acceptable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |
| 1123224 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 69.98 | 69.98 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123225 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 72.81 | 72.81 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Good | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1123226 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 71.75 | 71.75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Acceptable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123228 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123501 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 75.0 | 75.0 | xxx | xxx | .0870 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0870 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1123505 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 50.0 | 50.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123508 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 74.97 | 74.97 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123507 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1123506 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123503 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 50.0 | 50.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1123504 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123509 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123511 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123512 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 69.98 | 69.98 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123513 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123516 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 61.24 | 61.24 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123517 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1123518 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 79.98 | 79.98 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1124522 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 1124526 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible |  |  |
| 1124524 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1125065 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 64.5 | 64.5 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1125070 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 49.95 | 49.95 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1125067 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 36.51 | 36.51 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1124736 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 64.84 | 64.84 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 1124739 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 60.0 | 60.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1124743 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 50.0 | 50.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1124742 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 1124738 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 1124741 |  |  | xxx | xxx | xxx | 1 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1124744 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 39.76 | 39.76 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 1124746 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |

---

## Exhibit 99.2

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.2 - Schedule 4**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 1115879 |  |  | xxx | B1 Credit Report Date | xxx | xxx |  |
| 1115889 |  |  | xxx | B1 Credit Report Date | xxx | xxx |  |
| 1115891 |  |  | xxx | B1 Credit Report Date | xxx | xxx |  |
| 1121187 |  |  | xxx | Borrower 1 Last Name | xxx | xxx |  |
| 1121173 |  |  | xxx | Borrower 1 SSN | xxx | xxx |  |
| 1121189 |  |  | xxx | Borrower 1 SSN | xxx | xxx |  |
| 1123196 |  |  | xxx | Borrower 2 Birthdate | xxx | xxx |  |
| 1123196 |  |  | xxx | Borrower 2 SSN | xxx | xxx |  |
| 1123212 |  |  | xxx | Loan Type | Conventional | FHA |  |
| 1121226 |  |  | xxx | Monthly Property Tax Amount | xxx | xxx |  |
| 1121219 |  |  | xxx | Occupancy | Investment | Primary Residence |  |
| 1121189 |  |  | xxx | Property Address | xxx | xxx |  |
| 1115891 |  |  | xxx | Qualifying FICO | xxx | xxx |  |
| 1123133 |  |  | xxx | Qualifying LTV | 80.0 | 0.73 |  |
| 1123135 |  |  | xxx | Qualifying LTV | 80.0 | 0.79 |  |
| 1123150 |  |  | xxx | Qualifying LTV | 70.0 | 0.68 |  |
| 1123157 |  |  | xxx | Qualifying LTV | 69.95 | 0.68 |  |
| 1123171 |  |  | xxx | Qualifying LTV | 70.0 | 0.66 |  |
| 1123176 |  |  | xxx | Qualifying LTV | 70.0 | 0.67 |  |
| 1123178 |  |  | xxx | Qualifying LTV | 65.0 | 0.61 |  |
| 1123181 |  |  | xxx | Qualifying LTV | 65.0 | 0.63 |  |
| 1123187 |  |  | xxx | Qualifying LTV | 75.0 | 0.70 |  |
| 1123192 |  |  | xxx | Qualifying LTV | 70.0 | 0.66 |  |
| 1123194 |  |  | xxx | Qualifying LTV | 75.0 | 0.62 |  |
| 1123201 |  |  | xxx | Qualifying LTV | 70.0 | 0.68 |  |
| 1123220 |  |  | xxx | Qualifying LTV | 70.0 | 0.67 |  |
| 1123226 |  |  | xxx | Qualifying LTV | 71.75 | 0.68 |  |
| 1115891 |  |  | xxx | Qualifying Total Debt Income Ratio | 49.74 | 37.68 |  |
| 1123136 |  |  | xxx | Qualifying Total Debt Income Ratio | 34.65 | 36.78 |  |
| 1123164 |  |  | xxx | Qualifying Total Debt Income Ratio | 46.36 | 48.65 |  |
| 1123174 |  |  | xxx | Qualifying Total Debt Income Ratio | 37.58 | 39.98 |  |
| 1123176 |  |  | xxx | Qualifying Total Debt Income Ratio | 41.73 | 36.02 |  |
| 1123223 |  |  | xxx | Qualifying Total Debt Income Ratio | 36.51 | 41.23 |  |
| 1123224 |  |  | xxx | Qualifying Total Debt Income Ratio | 39.33 | 16.22 |  |
| 1123225 |  |  | xxx | Qualifying Total Debt Income Ratio | 37.97 | 41.11 |  |
| 1123228 |  |  | xxx | Qualifying Total Debt Income Ratio | 49.77 | 22.44 |  |
| 1123134 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123137 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123138 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123135 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123136 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123141 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123143 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123147 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123145 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123146 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123148 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123149 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123150 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123151 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123152 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123156 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123157 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123162 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123164 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123165 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123166 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123168 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123167 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123169 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123171 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123172 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123173 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123174 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123176 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123178 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123177 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123179 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123180 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123181 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123182 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123184 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123185 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123186 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123187 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123192 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123193 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123194 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123196 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123197 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123198 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123200 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123201 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123202 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123204 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123205 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123208 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123212 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123214 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123216 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123217 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123219 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123220 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123223 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123224 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123225 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123226 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1123228 |  |  | xxx | Qualifying Total Housing Expense PITIA | xxx | xxx |  |
| 1121168 |  |  | xxx | Total Monthly Property Insurance Amount | xxx | xxx |  |
| 1121219 |  |  | xxx | Total Monthly Property Insurance Amount | xxx | xxx |  |
| #N/A |  |  |  |  | xxx | xxx |  |

---

## Exhibit 99.3

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.3**

![](ex993001.jpg)

**EXECUTIVE SUMMARY**

**HOMES 2025-NQM4**

**By Clarifii LLC on July 28, 2025**

HoMES 2025-NQM4 Due Diligence Narrative Report – PagE \| 1

![](ex993001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 217 loans (the "Loans") and these loans were subsequently acquired by APF II Resi 04B, LLC (the "Client") for the HOMES 2025-NQM4 transaction. The loans referenced in this narrative report were reviewed between 09/2024 and 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 Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;19 | &nbsp;&nbsp;8.76% | &nbsp;&nbsp;$12860370.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;18 | &nbsp;&nbsp;8.29% | &nbsp;&nbsp;$12795452.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;180 | &nbsp;&nbsp;82.95% | &nbsp;&nbsp;$106554619.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**217** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$132210441.00** |

---

The review consisted of a population of 217 loans, with an aggregate principal balance of $132,210,441.00.

**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.

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

**LOAN SAMPLING**

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

HoMES 2025-NQM4 Due Diligence Narrative Report – PagE \| 2

![](ex993001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019<br>Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025  |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Field** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &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 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &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 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |

---

HoMES 2025-NQM4 Due Diligence Narrative Report – PagE \| 3

![](ex993001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;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;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |

---

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---

| |
|:---|
| &nbsp;&nbsp;Qualifying HLTV |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Subject Property Gross Rental income |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Product Name |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

● **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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

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● **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

&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

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● **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

**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** 

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● **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

– 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

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● **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**

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**

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&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).

– 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).

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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).

– 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.

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– 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

**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

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Regulation Z). This portion of the Review included a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**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.

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● **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 the population 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 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.

**VALUATION RESULTS SUMMARY**

The two tables below summarize 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 Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA / CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;125 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 |

---

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**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**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. |

---

HoMES 2025-NQM4 Due Diligence Narrative Report – PagE \| 15

![](ex993001.jpg)

**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. |

---

**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;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;153 | &nbsp;&nbsp;70.51% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;64 | &nbsp;&nbsp;29.49% |
| &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;**217** | &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.

HoMES 2025-NQM4 Due Diligence Narrative Report – PagE \| 16

![](ex993001.jpg)

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;192 | &nbsp;&nbsp;88.48% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;25 | &nbsp;&nbsp;11.52% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**217** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;216 | &nbsp;&nbsp;99.54% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**217** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;177 | &nbsp;&nbsp;81.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;40 | &nbsp;&nbsp;18.43% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**217** | &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;3 | &nbsp;&nbsp;1.38% | &nbsp;&nbsp;$2836500.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;214 | &nbsp;&nbsp;98.62% | &nbsp;&nbsp;$129373941.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**217** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$132210441.00** |

---

HoMES 2025-NQM4 Due Diligence Narrative Report – PagE \| 17

![](ex993001.jpg)

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;121 | &nbsp;&nbsp;55.76% | &nbsp;&nbsp;$83480347.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;96 | &nbsp;&nbsp;44.24% | &nbsp;&nbsp;$48730094.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**217** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$132210441.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;96 | &nbsp;&nbsp;44.24% | &nbsp;&nbsp;$59782051.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;121 | &nbsp;&nbsp;55.76% | &nbsp;&nbsp;$72428390.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**217** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$132210441.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;217 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$132210441.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**217** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$132210441.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% | &nbsp;&nbsp;$140000.00 |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% | &nbsp;&nbsp;$1935000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;215 | &nbsp;&nbsp;99.08% | &nbsp;&nbsp;$130135441.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**217** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$132210441.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Field** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;129 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;126 | &nbsp;&nbsp;96.03% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;126 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

HoMES 2025-NQM4 Due Diligence Narrative Report – PagE \| 18

![](ex993001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;126 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;125 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;217 | &nbsp;&nbsp;99.54% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;217 | &nbsp;&nbsp;99.54% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;5 | &nbsp;&nbsp;125 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;124 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &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;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;129 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;11 | &nbsp;&nbsp;127 | &nbsp;&nbsp;91.34% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;55 | &nbsp;&nbsp;209 | &nbsp;&nbsp;73.68% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;56 | &nbsp;&nbsp;84 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;214 | &nbsp;&nbsp;98.60% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;125 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;125 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;128 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;217 | &nbsp;&nbsp;99.54% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;216 | &nbsp;&nbsp;100.00% |

---

HoMES 2025-NQM4 Due Diligence Narrative Report – PagE \| 19

![](ex993001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;7 | &nbsp;&nbsp;11 | &nbsp;&nbsp;36.36% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;129 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;91 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;217 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;88 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;217 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;212 | &nbsp;&nbsp;98.58% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;125 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;91 | &nbsp;&nbsp;211 | &nbsp;&nbsp;56.87% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;215 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;217 | &nbsp;&nbsp;99.08% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;130 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;8 | &nbsp;&nbsp;216 | &nbsp;&nbsp;96.30% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;217 | &nbsp;&nbsp;99.54% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;217 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;212 | &nbsp;&nbsp;99.53% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;217 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;30 | &nbsp;&nbsp;216 | &nbsp;&nbsp;86.11% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;217 | &nbsp;&nbsp;99.54% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;216 | &nbsp;&nbsp;98.61% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;208 | &nbsp;&nbsp;99.52% |
| &nbsp;&nbsp;Qualifying HLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;216 | &nbsp;&nbsp;99.07% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;21 | &nbsp;&nbsp;215 | &nbsp;&nbsp;90.23% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;121 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;217 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subject Property Gross Rental income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;90 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;2 | &nbsp;&nbsp;125 | &nbsp;&nbsp;98.40% |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;88 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |

---

HoMES 2025-NQM4 Due Diligence Narrative Report – PagE \| 20

![](ex993001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplemental
Data Extract

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

**Disclaimer**

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

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

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

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

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

HoMES 2025-NQM4 Due Diligence Narrative Report – PagE \| 21

## Exhibit 99.3

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.3 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 1121568 | XXXX C A | Closed | FCRE1205 | 2024-09-30 17:05 | 2024-10-07 10:35 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-XXXX Check Completed for the underwriter. - Due Diligence Vendor-10/07/2024 <br> Ready for Review-Hello The Ofac we uploaded is for XXXX UW. and the processor is for the Broker. We don't have processors for wholesale channels. Cna we clear this condition? - Seller-10/04/2024 <br> Counter-XXXX underwriter and processor. Missing for lender. - Due Diligence Vendor-10/03/2024 <br> Ready for Review-Document Uploaded. XXXX FOR PROESSOR AND UW - Seller-10/01/2024 <br> Open-XXXX Check Not Completed and/or Cleared for the lender, underwriter and processor. - Due Diligence Vendor-09/30/2024 | Ready for Review-Hello The Ofac we uploaded is for XXXX UW. and the processor is for the Broker. We don't have processors for wholesale channels. Cna we clear this condition? - Seller-10/04/2024 <br> Ready for Review-Document Uploaded. XXXX FOR PROESSOR AND UW - Seller-10/01/2024 | Resolved-OFAC Check Completed for the underwriter. - Due Diligence Vendor-10/07/2024<br>| Months Reserves exceed minimum required - 8 month reserves exceed 4 month minimum <br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 804 is higher than 660 required minimum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2489679 |
| XXXX | 1121497 | XXXX D A C | Closed | FPRO1255 | 2024-11-12 10:37 | 2025-07-16 13:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-12/05/2024 <br> Ready for Review-The subject property is "Detached" Condo. Please waive this condition. - Seller-12/04/2024 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-11/12/2024 | Ready for Review-The subject property is "Detached" Condo. Please waive this condition. - Seller-12/04/2024<br>| Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-12/05/2024<br>| LTV is less than guideline maximum - Max 80%, actual 75%<br>Months Reserves exceed minimum required - 0 required, actual 51.62 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum 660, actual 730<br>Qualifying DTI below maximum allowed - Max 49.99%, actual 36.32% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2790559 |
| XXXX | 1121497 | XXXX D A C | Closed | FCRE7497 | 2024-11-11 17:16 | 2024-12-16 16:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Documentation to support the property is free and clear which does not require HOI provided. - Due Diligence Vendor-12/16/2024 <br> Ready for Review-For payment of XXXX for XXXX documents are already included in the closing package. Property tax XXXX and the HOA XXXX. Please review the page 99 and 100 and waive this condition. - Seller-12/13/2024 <br> Counter-Taxes and HOA provided for XXXX. However please provide LOE verification from the borrower they do not have HOI policy on home. Provide a revised 1003 and 1008 with payment of XXXX for XXXX. - Due Diligence Vendor-12/11/2024 <br> Ready for Review-Document Uploaded. no insurance for this free/clear property. - Seller-12/10/2024 <br> Counter-Property is free and clear, however Insurance , taxes and HOA must still be provided and included in the total DTI ratio. - Due Diligence Vendor-12/05/2024 <br> Ready for Review-Property detail report is already included in the closing package. This is a "Free and Clear" property, so the insurance is not needed. Can you please review and waive this condition? - Seller-12/04/2024 <br> Open-No tax and insurance bill for borrower's investment property XXXX on Final 1003 - Due Diligence Vendor-11/12/2024 | Ready for Review-For payment of XXXX for 3A documents are already included in the closing package. Property tax XXXX and the HOA XXXX. Please review the page 99 and 100 and waive this condition. - Seller-12/13/2024 <br> Ready for Review-Document Uploaded. no insurance for this free/clear property. - Seller-12/10/2024 <br> Ready for Review-Property detail report is already included in the closing package. This is a "Free and Clear" property, so the insurance is not needed. Can you please review and waive this condition? - Seller-12/04/2024 | Resolved-Documentation to support the property is free and clear which does not require HOI provided. - Due Diligence Vendor-12/16/2024<br>| LTV is less than guideline maximum - Max 80%, actual 75%<br>Months Reserves exceed minimum required - 0 required, actual 51.62 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum 660, actual 730<br>Qualifying DTI below maximum allowed - Max 49.99%, actual 36.32% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2786322 |
| XXXX | 1121497 | XXXX D A C | Closed | FCRE1159 | 2024-11-19 16:07 | 2024-12-05 13:30 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX , but prior to the PCCD disbursement date of XXXX. - Due Diligence Vendor-12/05/2024 <br> Ready for Review-Document Uploaded. Please review the POST CD and clear this condition. - Seller-12/04/2024 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-11/19/2024 | Ready for Review-Document Uploaded. Please review the POST CD and clear this condition. - Seller-12/04/2024<br>| Resolved-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX , but prior to the PCCD disbursement date of XXXX. - Due Diligence Vendor-12/05/2024 | LTV is less than guideline maximum - Max 80%, actual 75%<br>Months Reserves exceed minimum required - 0 required, actual 51.62 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum 660, actual 730<br>Qualifying DTI below maximum allowed - Max 49.99%, actual 36.32% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2843810 |
| XXXX | 1121497 | XXXX D A C | Closed | FPRO0008 | 2024-11-11 16:06 | 2024-12-05 13:27 | Resolved | 1 - Information C A | Property | Property | Condo Project Warrantable is Unable to Determine | Resolved-Warrantability documentation is acceptable. Subject is detached. - Due Diligence Vendor-12/05/2024 <br>Ready for Review-The subject property is "Detached" Condo. Please waive this condition. - Seller-12/04/2024 <br>Open-The Condo Project Warrantability is Unable to Determined. No questionnaire/litigation - new construction - Due Diligence Vendor-11/11/2024 | Ready for Review-The subject property is "Detached" Condo. Please waive this condition. - Seller-12/04/2024<br>| Resolved-Warrantability documentation is acceptable. Subject is detached. - Due Diligence Vendor-12/05/2024<br>| LTV is less than guideline maximum - Max 80%, actual 75%<br>Months Reserves exceed minimum required - 0 required, actual 51.62 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum 660, actual 730<br>Qualifying DTI below maximum allowed - Max 49.99%, actual 36.32% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2785708 |
| XXXX | 1121497 | XXXX D A C | Closed | FCRE1173 | 2024-11-11 17:10 | 2024-11-19 16:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Condo Master Insurance Policy not required for a Detached Condo. Policy coverage amount is sufficient. - Due Diligence Vendor-11/19/2024 <br>Ready for Review-The subject property is a detached-Condo, no master is necessary. Please waive this condition. - Seller-11/18/2024 <br>Open-Missing Condo Master Insurance Policy - Due Diligence Vendor-11/11/2024 | Ready for Review-The subject property is a detached-Condo, no master is necessary. Please waive this condition. - Seller-11/18/2024<br>| Resolved-Condo Master Insurance Policy not required for a Detached Condo. Policy coverage amount is sufficient. - Due Diligence Vendor-11/19/2024<br>| LTV is less than guideline maximum - Max 80%, actual 75%<br>Months Reserves exceed minimum required - 0 required, actual 51.62 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum 660, actual 730<br>Qualifying DTI below maximum allowed - Max 49.99%, actual 36.32% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2786246 |
| XXXX | 1121180 | XXXX D A | Closed | FCRE9996 | 2024-12-14 13:41 | 2025-02-14 15:51 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received complete HOA questionnaire. - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. please see attached - Seller-02/12/2025 <br> Counter-Screen shot of New Construction Project reflects subject is complete provided. Please provide the full signed HOA Questionnaire with the correction. - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. - Seller-02/04/2025 <br> Counter-1. Condo questionnaire notes that the HOA has not been turned over to the unit owners with no estimated date provided (noted as unknown). Per XXXX requirements, the developer or sponsor should provide for and promote the unit owners' early participation in the management of the project. 2. Condo questionnaire notes that the project/subject legal phase is not substantially complete. (a Lender exception will have to be provided if box is not checked yes legal is fully completed). Per Fannie Mae requirements, "Substantially complete" means that a certificate of occupancy or other substantially similar document has been issued by the applicable governmental agency for the project or subject phase; and all the units and buildings in the legal phase in which the unit securing the mortgage is located are complete, subject to the installation of buyer selection items, such as appliances. - Due Diligence Vendor-01/14/2025 <br> Ready for Review-Would you please waive the #2 condition?<br> The subject is completed rather than substantially completed. That's why HOA answered as below. - Seller-01/13/2025 <br> Open-1. Condo questionnaire notes that the HOA has not been turned over to the unit owners with no estimated date provided (noted as unknown). Per Fannie Mae requirements, the developer or sponsor should provide for and promote the unit owners' early participation in the management of the project.<br> 2. Condo questionnaire notes that the project/subject legal phase is not substantially complete. Per XXXX requirements, "Substantially complete" means that a certificate of occupancy or other substantially similar document has been issued by the applicable governmental agency for the project or subject phase; and all the units and buildings in the legal phase in which the unit securing the mortgage is located are complete, subject to the installation of buyer selection items, such as appliances. <br> - Due Diligence Vendor-12/14/2024 | Ready for Review-Document Uploaded. please see attached - Seller-02/12/2025 <br>Ready for Review-Document Uploaded. - Seller-02/04/2025 <br>Ready for Review-Would you please waive the #2 condition?<br> The subject is completed rather than substantially completed. That's why HOA answered as below. - Seller-01/13/2025<br>| Resolved-Received complete HOA questionnaire. - Due Diligence Vendor-02/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 809 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 64.66% LTV is less than 80% maximum. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3007851 |
| XXXX | 1121180 | XXXX D A | Closed | FCRE5782 | 2024-12-14 14:06 | 2025-02-07 12:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report. - Due Diligence Vendor-01/14/2025 <br>Ready for Review-Document Uploaded. Soft pull - Seller-01/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/14/2024 | Ready for Review-Document Uploaded. Soft pull - Seller-01/10/2025<br>| Resolved-Received Borrower 1 Gap Credit Report. - Due Diligence Vendor-01/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 809 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 64.66% LTV is less than 80% maximum. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3007873 |
| XXXX | 1121180 | XXXX D A | Closed | FCRE5116 | 2024-12-15 12:39 | 2025-02-07 12:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received Rent free letter. - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. - Seller-01/22/2025 <br>Counter-The rent Free Letter is not attached. - Due Diligence Vendor-01/14/2025 <br>Ready for Review-Please see attached - Seller-01/13/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing rent-free letter - Due Diligence Vendor-12/15/2024 | Ready for Review-Document Uploaded. - Seller-01/22/2025 <br>Ready for Review-Please see attached - Seller-01/13/2025<br>| Resolved-Received Rent free letter. - Due Diligence Vendor-01/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 809 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 64.66% LTV is less than 80% maximum. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3008524 |
| XXXX | 1121180 | XXXX D A | Closed | FCRE5790 | 2025-01-14 15:30 | 2025-02-07 12:15 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-02/07/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/05/2025 <br>Counter-Report provided is greater than 10 days. Finding remains. - Due Diligence Vendor-02/03/2025 <br>Ready for Review-Document Uploaded. Please see soft pull - Seller-01/30/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-01/14/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-02/05/2025 <br>Ready for Review-Document Uploaded. Please see soft pull - Seller-01/30/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 809 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 64.66% LTV is less than 80% maximum. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3205509 |
| XXXX | 1121180 | XXXX D A | Closed | FCRE1176 | 2024-12-14 13:46 | 2025-02-07 12:11 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Received PCCD with a disbursement date of XXXX - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. Please see pccd - Seller-02/05/2025 <br> Open-HO-6 Insurance Policy Effective Date of XXXX is after the Note Date of XXXX Disbursement date per final CD in file is XXXX. - Due Diligence Vendor-12/14/2024 | Ready for Review-Document Uploaded. Please see pccd - Seller-02/05/2025<br>| Resolved-Received PCCD with a disbursement date of XXXX - Due Diligence Vendor-02/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - 809 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 64.66% LTV is less than 80% maximum. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3007856 |
| XXXX | 1121180 | XXXX D A | Closed | FCRE1206 | 2024-12-14 14:11 | 2025-01-14 15:23 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received All Interested Parties Checked against Exclusionary Lists. - Due Diligence Vendor-01/14/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/13/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Guidelines require third party review for all companies and individuals involved in the origination, underwriting or servicing process. Fraud report includes borrower, loan officer, lender, appraiser and escrow officer. Seller and other parties are missing (including processor/underwriter). - Due Diligence Vendor-12/14/2024 | Ready for Review-Document Uploaded. Please see attached - Seller-01/13/2025<br>| Resolved-Received All Interested Parties Checked against Exclusionary Lists. - Due Diligence Vendor-01/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 809 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 64.66% LTV is less than 80% maximum. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3007874 |
| XXXX | 1121256 | XXXX D A | Closed | FCRE1198 | 2024-12-16 15:45 | 2025-01-07 14:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received PCCD. - Due Diligence Vendor-01/07/2025 <br> Ready for Review-Document Uploaded. Please see PCCD - Seller-01/04/2025 <br> Open-Audited Reserves of 3.97 month(s) are less than Guideline Required Reserves of 4 month(s) Per guides, LTV greater than 75% requires 4 months of P&I reserves, totaling XXXX. The borrower's assets after closing totaled only XXXX, and as a result, the borrower was short XXXX of assets to cover the reserves requirement. - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. Please see PCCD - Seller-01/04/2025<br>| Resolved-Received PCCD. - Due Diligence Vendor-01/07/2025<br>| Qualifying DTI below maximum allowed - 31.95% DTI, 49.99% max.<br>Qualifying FICO score is at least 20 points above minimum for program - 723 FICO, 660 minimum required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3016820 |
| XXXX | 1121256 | XXXX D A | Closed | FPRO1242 | 2024-12-16 13:47 | 2025-01-07 14:15 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Primary Appraisal. - Due Diligence Vendor-01/07/2025 <br> Ready for Review-Document Uploaded. Please see Appraisal report you requested - Seller-01/03/2025 <br> Counter-Appraisal with an inspection date of XXXX provided. Please provide the Full Appraisal Report with an inspection date of XXXX. - Due Diligence Vendor-01/02/2025 <br> Ready for Review-Document Uploaded. Please see the 2nd and Finals inspection and the Desk review as well, - Seller-12/31/2024 <br> Open-Appraisal is Missing Per guides, Property Flips occur when a property is resold within 6 months (close of escrow to close of escrow) of the initial purchase and is up to underwriter's discretion. The guides also state that for principal residences where the price reflected in the buyer's purchase agreement is higher than the amount listed below compared to the seller's acquisition price, a second appraisal will be required.<br> The amounts are as follows:<br> - More than a 10% increase if the seller acquired the property in the past 90 days;<br> - More than a 20% price increase if the seller acquired the property in the past 91 to 180 days.<br> Per the Collateral Desktop Analysis (CDA) and the Appraisal in file, the subject previously sold for XXXX on XXXX. The purchase agreement and closing disclosure reflect a final sales price of XXXX, which is an increase of 24.40% over the seller's acquisition price. As a result, a second appraisal was required. The loan file is missing a second appraisal. <br> It should be noted the CDA, the Collateral Underwriter (CU), and the Collateral Loan Advisor (CLA) reports all reflect an appraisal was performed on XXXX by XXXX, with a reported fair market value of XXXX. However, the only appraisal in the loan file was performed on XXXX by XXXX. <br> It should also be noted that if the second appraisal from the loan file is utilized, then a new CDA, CU, and LCA will be required. - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. Please see Appraisal report you requested - Seller-01/03/2025 <br>Ready for Review-Document Uploaded. Please see the 2nd and Finals inspection and the Desk review as well, - Seller-12/31/2024<br>| Resolved-Received Primary Appraisal. - Due Diligence Vendor-01/07/2025<br>| Qualifying DTI below maximum allowed - 31.95% DTI, 49.99% max.<br>Qualifying FICO score is at least 20 points above minimum for program - 723 FICO, 660 minimum required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3014985 |
| XXXX | 1121256 | XXXX D A | Closed | FCRE6666 | 2025-01-02 14:05 | 2025-01-07 14:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-All Additional valuation products were completed on or after the Primary Valuation product date, or Not Applicable. - Due Diligence Vendor-01/02/2025 <br>Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. - Due Diligence Vendor-01/02/2025 |  | Resolved-All Additional valuation products were completed on or after the Primary Valuation product date, or Not Applicable. - Due Diligence Vendor-01/02/2025<br>| Qualifying DTI below maximum allowed - 31.95% DTI, 49.99% max.<br>Qualifying FICO score is at least 20 points above minimum for program - 723 FICO, 660 minimum required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3124683 |
| XXXX | 1121256 | XXXX D A | Closed | FCRE9488 | 2024-12-16 16:01 | 2025-01-07 14:08 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Received LOE from the borrower. - Due Diligence Vendor-01/07/2025 <br> Ready for Review-Document Uploaded. Please see LOE - Seller-01/07/2025 <br> Open-LOX required: Borrower who resides in XXXX and has a business in XXXX is purchasing a primary residence in XXXX over XXXX miles away. - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. Please see LOE - Seller-01/07/2025<br>| Resolved-Received LOE from the borrower. - Due Diligence Vendor-01/07/2025<br>| Qualifying DTI below maximum allowed - 31.95% DTI, 49.99% max.<br>Qualifying FICO score is at least 20 points above minimum for program - 723 FICO, 660 minimum required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3016974 |
| XXXX | 1121256 | XXXX D A | Closed | FCRE8611 | 2024-12-16 16:45 | 2025-01-02 14:16 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received Internet Search. - Due Diligence Vendor-01/02/2025 <br> Ready for Review-Document Uploaded. Please see XXXX Search - Seller-12/31/2024 <br> Open-The guidelines for self-employment state the following requirement must also be satisfied: "Business phone number verification via XXXX Search, XXXX or internet is required. Otherwise, CPA must verify the borrower's nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower." A business phone number verification via XXXX Search, XXXX or internet was missing from the loan file and the CPA did not confirm that the business phone number is not required for the type of business being operated by the borrower. - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. Please see XXXX Search - Seller-12/31/2024 | Resolved-Received Internet Search. - Due Diligence Vendor-01/02/2025<br>| Qualifying DTI below maximum allowed - 31.95% DTI, 49.99% max.<br>Qualifying FICO score is at least 20 points above minimum for program - 723 FICO, 660 minimum required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3017440 |
| XXXX | 1121256 | XXXX D A | Closed | FCRE5782 | 2024-12-16 14:37 | 2025-01-02 14:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-01/02/2025 <br>Ready for Review-Document Uploaded. Please see Soft Pull - Seller-12/31/2024 <br>Open-Borrower 1 Gap Credit Report is Missing Missing gap credit report for B1. - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. Please see Soft Pull - Seller-12/31/2024<br>| Resolved-Received Gap report. - Due Diligence Vendor-01/02/2025<br>| Qualifying DTI below maximum allowed - 31.95% DTI, 49.99% max.<br>Qualifying FICO score is at least 20 points above minimum for program - 723 FICO, 660 minimum required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3015822 |
| XXXX | 1121181 | XXXX D A | Closed | FCRE1491 | 2025-02-07 15:35 | 2025-02-20 12:33 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received Gift Letter. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. PLease see attached - Seller-02/18/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements. "New" Missing copy of the Gift Letter for XXXX - Due Diligence Vendor-02/07/2025 | Ready for Review-Document Uploaded. PLease see attached - Seller-02/18/2025<br>| Resolved-Received Gift Letter. - Due Diligence Vendor-02/20/2025<br>| LTV is less than guideline maximum - 75% LTV, 80% max.<br>Months Reserves exceed minimum required - Borrower has 5.13 months of P&I reserves. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3379107 |
| XXXX | 1121181 | XXXX D A | Closed | FCRE5770 | 2024-12-17 09:06 | 2025-02-07 15:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received borrower Origination Credit Report. - Due Diligence Vendor-02/07/2025 <br>Ready for Review-Document Uploaded. - Seller-02/05/2025 <br>Counter-Gap report provided, please provide the Credit Report used for qualification. - Due Diligence Vendor-01/14/2025 <br>Ready for Review-Document Uploaded. Please see Credit report - Seller-01/11/2025 <br>Open-Borrower 1 Credit Report is Missing. The credit report in file is for an unknown individual who is not associated with the subject transaction. The borrower's credit report is missing. - Due Diligence Vendor-12/17/2024 | Ready for Review-Document Uploaded. - Seller-02/05/2025 <br>Ready for Review-Document Uploaded. Please see Credit report - Seller-01/11/2025<br>| Resolved-Received borrower Origination Credit Report. - Due Diligence Vendor-02/07/2025<br>| LTV is less than guideline maximum - 75% LTV, 80% max.<br>Months Reserves exceed minimum required - Borrower has 5.13 months of P&I reserves. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3020783 |
| XXXX | 1121186 | XXXX D A | Closed | FCRE5116 | 2024-12-12 09:22 | 2025-02-07 15:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Borrower owned the subject property since XXXX. A mortgage statement in file reflects the borrower made the XXXX and XXXX payments. The subject loan closed XXXX. - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. Please review the payoff demand for XXXX. - Seller-02/06/2025 <br> Counter-Rent Free letter provided, however we missing a payment history for the XXXX loan XXXX being paid at close. - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Document Uploaded. Please review the Rent free letter. - Seller-02/03/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM(subj prop) - Due Diligence Vendor-12/12/2024 | Ready for Review-Document Uploaded. Please review the payoff demand for XXXX. - Seller-02/06/2025 <br> Ready for Review-Document Uploaded. Please review the Rent free letter. - Seller-02/03/2025 | Resolved-Borrower owned the subject property since XXXX. A mortgage statement in file reflects the borrower made the XXXX payments. The subject loan closed XXXX. - Due Diligence Vendor-02/07/2025 | Qualifying DTI below maximum allowed - DTI 39.93% is lower than the required program max allowed 49.99% <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 702 is higher than the 660 program minimum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 2990283 |
| XXXX | 1121186 | XXXX D A | Closed | FCRE1440 | 2024-12-12 09:22 | 2025-01-09 15:13 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received clarification the property has been purchased within 6 months guidelines allow this to be waived. - Due Diligence Vendor-01/09/2025 <br>Ready for Review-As the guideline stated that if the the property is purchased within 6months, 6months seasoning may waived. Please advise if this condition can be cleared or not. - Seller-01/08/2025 <br>Counter-Subject was only purchased within 3 months . Finding remains. - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. Please review the guideline uploaded, and advise if this condition can be waived or not. Please let me know. - Seller-01/02/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Note: To qualify for a rate and term refinance the borrower must t have resided in the subject property for 6 or more months immediately preceding the application date (Guide pg. 13) - no documentation provided validating previous housing history/seasoning - Due Diligence Vendor-12/12/2024 | Ready for Review-As the guideline stated that if the the property is purchased within 6months, 6months seasoning may waived. Please advise if this condition can be cleared or not. - Seller-01/08/2025 <br>Ready for Review-Document Uploaded. Please review the guideline uploaded, and advise if this condition can be waived or not. Please let me know. - Seller-01/02/2025<br>| Resolved-Received clarification the property has been purchased within 6 months guidelines allow this to be waived. - Due Diligence Vendor-01/09/2025<br>| Qualifying DTI below maximum allowed - DTI 39.93% is lower than the required program max allowed 49.99% <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 702 is higher than the 660 program minimum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 2990282 |
| XXXX | 1121198 | XXXX C A | Closed | finding-47 | 2024-12-27 16:17 | 2025-01-09 11:43 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX with disbursement date of XXXX. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. please see PCCD - Seller-01/07/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date of XXXX.<br> - Due Diligence Vendor-12/27/2024 | Ready for Review-Document Uploaded. please see PCCD - Seller-01/07/2025<br>| Resolved-Received PCCD XXXX with disbursement date of XXXX. - Due Diligence Vendor-01/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - 806 FICO higher than 660 minimum required <br>LTV is less than guideline maximum - LTV 66.26% is lower than 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3096462 |
| XXXX | 1121191 | XXXX D B A | Closed | FCRE5783 | 2025-01-13 21:37 | 2025-02-11 14:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received the borrower 2 Gap Credit Report . - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. please see soft pull - Seller-02/10/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-01/14/2025 | Ready for Review-Document Uploaded. please see soft pull - Seller-02/10/2025<br>| Resolved-Received the borrower 2 Gap Credit Report . - Due Diligence Vendor-02/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 801 is higher than the 720 credit score minimum<br>Months Reserves exceed minimum required - Reserves 13.43 is higher than the program minimum 0 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3198190 |
| XXXX | 1121191 | XXXX D B A | Closed | FCRE5782 | 2025-01-13 21:37 | 2025-02-11 14:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received the borrower 1 Gap Credit Report. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. please see soft pull - Seller-02/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/14/2025 | Ready for Review-Document Uploaded. please see soft pull - Seller-02/10/2025<br>| Resolved-Received the borrower 1 Gap Credit Report. - Due Diligence Vendor-02/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 801 is higher than the 720 credit score minimum<br>Months Reserves exceed minimum required - Reserves 13.43 is higher than the program minimum 0 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3198189 |
| XXXX | 1121191 | XXXX D B A | Closed | FCOM5135 | 2025-01-07 09:35 | 2025-01-07 09:35 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to material findings - Due Diligence Vendor-01/16/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to material findings - Due Diligence Vendor-01/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 801 is higher than the 720 credit score minimum<br>Months Reserves exceed minimum required - Reserves 13.43 is higher than the program minimum 0 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3152661 |
| XXXX | 1121196 | XXXX D B A | Closed | FCRE1202 | 2025-01-10 12:48 | 2025-02-10 15:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Management approval. - Due Diligence Vendor-02/10/2025 <br> Ready for Review-Document Uploaded. please see attached - Seller-02/06/2025 <br> Open-Third Party Fraud Report Partially Provided Issue: FraudGuard® scores above 800 from XXXX require management review and approval <br> Required: Please provide management review and approval by the Underwriting Manager in order to proceed with the loan. - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. please see attached - Seller-02/06/2025<br>| Resolved-Received Management approval. - Due Diligence Vendor-02/10/2025<br>| Months Reserves exceed minimum required - Reserves 13.75 is higher than 4 month minimum <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 766 is higher than program minimum 660 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3183587 |
| XXXX | 1121196 | XXXX D B A | Closed | FCRE5782 | 2025-01-10 12:08 | 2025-02-10 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/10/2025 <br>Ready for Review-Document Uploaded. Soft pull - Seller-02/06/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Report - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. Soft pull - Seller-02/06/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/10/2025<br>| Months Reserves exceed minimum required - Reserves 13.75 is higher than 4 month minimum <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 766 is higher than program minimum 660 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3182865 |
| XXXX | 1121196 | XXXX D B A | Closed | FCOM5135 | 2025-01-05 11:28 | 2025-01-16 13:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/16/2025 <br>Open-Required Affiliated Business Disclosure Missing -----Missing Required Affiliated Business Disclosure. - Due Diligence Vendor-01/06/2025 |  | Waived-Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/16/2025<br>| Months Reserves exceed minimum required - Reserves 13.75 is higher than 4 month minimum <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 766 is higher than program minimum 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3140037 |
| XXXX | 1121193 | XXXX D A C | Closed | FPRO9999 | 2025-01-13 16:11 | 2025-03-04 14:42 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Received documentation to support the claim has already been settled by the insurance. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. - Seller-03/04/2025 <br> Counter-The information provided is insufficient and does not meet XXXX requirements for litigation. Lender would need to provide a letter form the insurance Company or attorney attesting that the amount of the lawsuit will be 100% covered by insurance. - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Document Uploaded. Please review the email from the law firm. - Seller-02/02/2025 <br> Counter-Received document from the attorneys office . Documents states that the lawsuit will be "no less" than XXXX. Document also states that the HOA is being sued for Health Issues as well as distress with no amount listed. Based on this, Lender would need to provide a letter form the insurance Company or attorney attesting that the amount of the lawsuit will be 100% covered by insurance. - Due Diligence Vendor-01/24/2025 <br> Ready for Review-Document Uploaded. Subject unit is not related to the litigation and HOA insurance is covering the cost of litigation. <br> - Seller-01/22/2025 <br> Open-\*New\* Please provide litigation documents and lenders approved exception in or for us to clear this finding. - Due Diligence Vendor-01/13/2025 | Ready for Review-Document Uploaded. - Seller-03/04/2025 <br>Ready for Review-Document Uploaded. Please review the email from the law firm. - Seller-02/02/2025 <br>Ready for Review-Document Uploaded. Subject unit is not related to the litigation and HOA insurance is covering the cost of litigation. <br> - Seller-01/22/2025<br>| Resolved-Received documentation to support the claim has already been settled by the insurance. - Due Diligence Vendor-03/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 767 higher than 660 minimum <br>Credit history exceeds minimum required - Credit history exceeds minimum require |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3196618 |
| XXXX | 1121193 | XXXX D A C | Closed | FPRO1255 | 2024-12-31 16:04 | 2025-01-13 16:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received questionnaire - Due Diligence Vendor-01/13/2025 <br>Ready for Review-Document Uploaded. Please review the Condo Questionnaire, and clear this condition. - Seller-01/10/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing HOA Condo Questionnaire - Due Diligence Vendor-12/31/2024 | Ready for Review-Document Uploaded. Please review the Condo Questionnaire, and clear this condition. - Seller-01/10/2025<br>| Resolved-Received questionnaire - Due Diligence Vendor-01/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 767 higher than 660 minimum <br>Credit history exceeds minimum required - Credit history exceeds minimum require |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3116551 |
| XXXX | 1121193 | XXXX D A C | Closed | FPRO0008 | 2024-12-31 16:09 | 2025-01-13 16:10 | Resolved | 1 - Information C A | Property | Property | Condo Project Warrantable is Unable to Determine | Resolved-Received questionnaire. - Due Diligence Vendor-01/13/2025 <br>Ready for Review-Document Uploaded. Please review the Condo Questionnaire, and clear this condition. - Seller-01/10/2025 <br>Open-The Condo Project Warrantability is Unable to Determined. Missing HOA Condo Questionnaire - Due Diligence Vendor-12/31/2024 | Ready for Review-Document Uploaded. Please review the Condo Questionnaire, and clear this condition. - Seller-01/10/2025<br>| Resolved-Received questionnaire. - Due Diligence Vendor-01/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 767 higher than 660 minimum <br>Credit history exceeds minimum required - Credit history exceeds minimum require |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3116584 |
| XXXX | 1121202 | XXXX D A | Closed | FCRE5782 | 2025-01-15 15:21 | 2025-01-22 15:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/20/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-01/15/2025 | Ready for Review-Document Uploaded. - Seller-01/20/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-01/22/2025<br>| Qualifying DTI below maximum allowed - DTI of 18.97% is less than 49.99% maximum allowed <br>LTV is less than guideline maximum - 65% LTV is less than 75% guideline maximum |  | 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 | 3214279 |
| XXXX | 1121202 | XXXX D A | Closed | FCRE4805 | 2025-01-15 14:37 | 2025-01-22 15:38 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received Certification of Trust. - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/20/2025 <br>Open-Trust/POA Does Not Meet Guideline Requirements Missing copy of Trust documents - Due Diligence Vendor-01/15/2025 | Ready for Review-Document Uploaded. - Seller-01/20/2025<br>| Resolved-Received Certification of Trust. - Due Diligence Vendor-01/22/2025<br>| Qualifying DTI below maximum allowed - DTI of 18.97% is less than 49.99% maximum allowed <br>LTV is less than guideline maximum - 65% LTV is less than 75% guideline maximum |  | 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 | 3213533 |
| XXXX | 1121194 | XXXX D A | Closed | FCRE5782 | 2025-01-13 16:22 | 2025-02-13 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received the borrower 1 Gap Credit Report. - Due Diligence Vendor-02/13/2025 <br>Ready for Review-Document Uploaded. soft pull - Seller-02/12/2025 <br>Counter-Gap Report is not attached. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. LOX - Seller-02/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/13/2025 | Ready for Review-Document Uploaded. soft pull - Seller-02/12/2025 <br>Ready for Review-Document Uploaded. LOX - Seller-02/10/2025<br>| Resolved-Received the borrower 1 Gap Credit Report. - Due Diligence Vendor-02/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 765 is higher than 660 minimum <br>Credit history exceeds minimum required - Credit History exceed minimum allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3196748 |
| XXXX | 1121194 | XXXX D A | Closed | FCRE1202 | 2025-01-13 16:26 | 2025-02-11 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received the Letter of approval by the Underwriting Manager. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. LOX - Seller-02/10/2025 <br> Open-Third Party Fraud Report Partially Provided Required: Per guide pg. 34 XXXX scores above 800 from XXXX require management review and approval by the <br> Underwriting Manager in order to proceed with the loan. <br> Provide: Provide UW Cert with Manager approval as fraud score is 896 - Due Diligence Vendor-01/13/2025 | Ready for Review-Document Uploaded. LOX - Seller-02/10/2025<br>| Resolved-Received the Letter of approval by the Underwriting Manager. - Due Diligence Vendor-02/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 765 is higher than 660 minimum <br>Credit history exceeds minimum required - Credit History exceed minimum allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3196797 |
| XXXX | 1121207 | XXXX C A | Closed | FCRE7011 | 2025-01-10 09:24 | 2025-01-13 16:18 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Received HOI w/sufficient rent loos coverage. - Due Diligence Vendor-01/13/2025 <br>Ready for Review-Document Uploaded. Please see rent loss coverage - Seller-01/10/2025 <br>Open-Rent Loss Coverage is Insufficient or Missing. Rent Loss Coverage is Missing, amount is not listed on policy - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. Please see rent loss coverage - Seller-01/10/2025<br>| Resolved-Received HOI w/sufficient rent loos coverage. - Due Diligence Vendor-01/13/2025<br>| DSCR % greater than 1.20 - DSCR is 1.33<br>LTV is less than guideline maximum - 50% LTV is less than 75% guideline maximum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3180126 |
| XXXX | 1121210 | XXXX D B A | Closed | FCRE0044 | 2025-02-11 14:11 | 2025-02-13 13:49 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-02/13/2025 <br>Ready for Review-LOX - Seller-02/12/2025 <br>Open-LOX for credit inquiries is missing. LOX for credit inquiries for the Gap Report is missing. - Due Diligence Vendor-02/11/2025 | Ready for Review-LOX - Seller-02/12/2025<br>| Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-02/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 682 FICO; 660 required<br>LTV is less than guideline maximum - 75% LTV is less than 80% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3399968 |
| XXXX | 1121210 | XXXX D B A | Closed | FCRE1202 | 2025-01-13 13:34 | 2025-02-11 14:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received the Letter of Approval by UW Manager. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. XXXX and lox - Seller-02/10/2025 <br> Open-Third Party Fraud Report Partially Provided - Risk Score above 800 – Lender Mgt. Review and Approval by UW Manager required.<br> - Missing XXXX search for loan officer - Due Diligence Vendor-01/13/2025 | Ready for Review-Document Uploaded. XXXX.GOV and lox - Seller-02/10/2025 | Resolved-Received the Letter of Approval by UW Manager. - Due Diligence Vendor-02/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 682 FICO; 660 required<br>LTV is less than guideline maximum - 75% LTV is less than 80% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3194285 |
| XXXX | 1121210 | XXXX D B A | Closed | FCRE5782 | 2025-01-13 13:30 | 2025-02-11 14:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received the borrower 1 Gap Credit Report. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-soft pull - Seller-02/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-01/13/2025 | Ready for Review-soft pull - Seller-02/10/2025<br>| Resolved-Received the borrower 1 Gap Credit Report. - Due Diligence Vendor-02/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 682 FICO; 660 required<br>LTV is less than guideline maximum - 75% LTV is less than 80% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3194249 |
| XXXX | 1121210 | XXXX D B A | Closed | FCOM5135 | 2025-01-08 07:23 | 2025-01-08 07:23 | 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-01/08/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 682 FICO; 660 required<br>LTV is less than guideline maximum - 75% LTV is less than 80% guideline maximum |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3161008 |
| XXXX | 1121204 | XXXX D B A | Closed | FCRE5782 | 2025-01-16 10:30 | 2025-02-11 14:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received the borrower 1 Gap Credit Report. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. please see soft pull - Seller-02/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. please see soft pull - Seller-02/10/2025<br>| Resolved-Received the borrower 1 Gap Credit Report. - Due Diligence Vendor-02/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 793 qualifying FICO score, 660 minimum required.<br>LTV is less than guideline maximum - 60% LTV, 80% maximum allowed. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3219429 |
| XXXX | 1121204 | XXXX D B A | Closed | FCOM5135 | 2025-01-10 10:36 | 2025-01-10 11:50 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator applied to non-material finding. - Due Diligence Vendor-01/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Originator applied to non-material finding. - Due Diligence Vendor-01/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 793 qualifying FICO score, 660 minimum required.<br>LTV is less than guideline maximum - 60% LTV, 80% maximum allowed. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3181183 |
| XXXX | 1121209 | XXXX C A | Closed | FCRE9501 | 2025-01-16 14:59 | 2025-02-20 11:49 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received statement for XXXX with sufficient assets. Guidelines do not require source of large deposits. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. According to our guideline, sourcing for the large deposit is not required. Please review and clear this condition. - Seller-02/18/2025 <br> Counter-Please provide the source of deposits into XXXX on XXXX, XXXX, XXXX and XXXX. - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. Please review the transaction history for XXXX. - Seller-02/13/2025 <br> Counter-The XXXX account only had XXXX as of XXXX and does not support a XXXX wire transfer. Please provide updated account statement with current balance that supports the wire on XXXX. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. The wire receipts are included in the closing package. XXXX was transferred from the XXXX, and XXXX was transferred from the XXXX. Please waive this condition. - Seller-02/10/2025 <br> Counter-Please provide the source of the additional deposits in the amount of XXXX. Loan file contains verified funds of XXXX. - Due Diligence Vendor-02/06/2025 <br> Ready for Review-Can you please advise how did you calculate the short amount? Please advise. - Seller-02/05/2025 <br> Open-Total Qualified Assets Post-Close amount is 'XXXX'. Assets are Insufficient. - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. Please review the POST CD. - Seller-02/03/2025 <br> Open-Total Qualified Assets Post-Close amount is 'XXXX'. Assets are Insufficient. Missing proof of sufficient assets - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. According to our guideline, sourcing for the large deposit is not required. Please review and clear this condition. - Seller-02/18/2025 <br> Ready for Review-Document Uploaded. Please review the transaction history for XXXX. - Seller-02/13/2025 <br> Ready for Review-Document Uploaded. The wire receipts are included in the closing package. XXXX was transferred from the XXXX XXXX, and XXXX was transferred from the XXXX. Please waive this condition. - Seller-02/10/2025 <br> Ready for Review-Can you please advise how did you calculate the short amount? Please advise. - Seller-02/05/2025 <br> Ready for Review-Document Uploaded. Please review the POST CD. - Seller-02/03/2025 | Resolved-Received statement for XXXX with sufficient assets. Guidelines do not require source of large deposits. - Due Diligence Vendor-02/20/2025 | Qualifying DTI below maximum allowed - 26.6% DTI is below 49.99% maximum allowed<br>LTV is less than guideline maximum - 66.43% LTV is less than 90% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3224601 |
| XXXX | 1121209 | XXXX C A | Closed | FCRE1491 | 2025-02-04 15:21 | 2025-02-20 11:49 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received statement for XXXX with sufficient assets. Guidelines do not require source of large deposits. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. According to our guideline, sourcing for the large deposit is not required. Please review and clear this condition. - Seller-02/18/2025 <br> Counter-Please provide the source of deposits into XXXX on XXXX, XXXX, XXXX and XXXX. - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. Please review the transaction history for XXXX. - Seller-02/13/2025 <br> Counter-The XXXX account only had XXXX as of XXXX and does not support a XXXX wire transfer. Please provide updated account statement with current balance that supports the wire on XXXX. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. The wire receipts are included in the closing package. XXXX was transferred from the XXXX, and XXXX was transferred from the XXXX. Please waive this condition. - Seller-02/10/2025 <br> Counter-Please provide the source of the additional deposits in the amount of XXXX. - Due Diligence Vendor-02/06/2025 <br> Ready for Review-Document Uploaded. POST CD shows the borrower is actually get refunded of XXXX. Can you please advise if this condition can be waived? - Seller-02/05/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements \*New\* Per the PCCD borrower additional deposits in the total amount of XXXX. Borrowers verified funds are XXXX and is not sufficient to source the additional deposits. - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. According to our guideline, sourcing for the large deposit is not required. Please review and clear this condition. - Seller-02/18/2025 <br> Ready for Review-Document Uploaded. Please review the transaction history for XXXX. - Seller-02/13/2025 <br> Ready for Review-Document Uploaded. The wire receipts are included in the closing package. XXXX was transferred from the XXXX XXXX, and XXXX was transferred from the XXXX. Please waive this condition. - Seller-02/10/2025 <br> Ready for Review-Document Uploaded. POST CD shows the borrower is actually get refunded of XXXX. Can you please advise if this condition can be waived? - Seller-02/05/2025 | Resolved-Received statement for XXXX with sufficient assets. Guidelines do not require source of large deposits. - Due Diligence Vendor-02/20/2025 | Qualifying DTI below maximum allowed - 26.6% DTI is below 49.99% maximum allowed<br>LTV is less than guideline maximum - 66.43% LTV is less than 90% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3349222 |
| XXXX | 1121209 | XXXX C A | Closed | FPRO0011 | 2025-01-16 15:07 | 2025-02-06 15:56 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/06/2025 <br> Ready for Review-Document Uploaded. Please review the PDI. - Seller-02/05/2025 <br> Open-XXXX<br> Incident Period: XXXX<br> Major Disaster Declaration declared on XXXX-Post disaster inspection required. - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. Please review the PDI. - Seller-02/05/2025<br>| Resolved-PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/06/2025 | Qualifying DTI below maximum allowed - 26.6% DTI is below 49.99% maximum allowed<br>LTV is less than guideline maximum - 66.43% LTV is less than 90% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3224682 |
| XXXX | 1121209 | XXXX C A | Closed | FCRE1159 | 2025-01-16 14:20 | 2025-02-04 15:02 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD. Disbursement date is XXXX - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. Please review the POST CD. - Seller-02/03/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX, disbursement date of XXXX - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. Please review the POST CD. - Seller-02/03/2025<br>| Resolved-Received PCCD. Disbursement date is XXXX - Due Diligence Vendor-02/04/2025 | Qualifying DTI below maximum allowed - 26.6% DTI is below 49.99% maximum allowed<br>LTV is less than guideline maximum - 66.43% LTV is less than 90% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3224005 |
| XXXX | 1121209 | XXXX C A | Closed | FCRE1178 | 2025-01-16 14:20 | 2025-02-04 15:01 | Resolved | 1 - Information C A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-Received PCCD. Disbursement date is XXXX - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. Please review the POST CD. - Seller-02/03/2025 <br> Open-Other Property Insurance Policy Effective Date of XXXX is after the Note Date of XXXX, disbursement date of XXXX - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. Please review the POST CD. - Seller-02/03/2025<br>| Resolved-Received PCCD. Disbursement date is XXXX - Due Diligence Vendor-07/16/2025 | Qualifying DTI below maximum allowed - 26.6% DTI is below 49.99% maximum allowed<br>LTV is less than guideline maximum - 66.43% LTV is less than 90% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3224006 |
| XXXX | 1025924 | XXXX D A | Closed | FCRE6019 | 2025-01-15 12:29 | 2025-01-23 10:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Upon further review, the green card in file is sufficient (back is not required), nothing further required. - Due Diligence Vendor-01/23/2025 <br>Open-Borrower Citizenship Documentation Is Missing Missing a copy of the back of the borrower's Permanent Resident card - Due Diligence Vendor-01/15/2025 |  | Resolved-Upon further review, the green card in file is sufficient (back is not required), nothing further required. - Due Diligence Vendor-01/23/2025<br>| Months Reserves exceed minimum required - 5.29 months of reserves; 2 months required.<br>LTV is less than guideline maximum - LTV of 60% is lower than maximum 75%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3211493 |
| XXXX | 1025924 | XXXX D A | Closed | FCRE7347 | 2025-01-15 12:37 | 2025-01-23 10:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Upon further review, Lower rent from 1007 was used to qualify , nothing further required. - Due Diligence Vendor-01/23/2025 <br>Open-Missing lease agreement on subject property reflecting the correct address (lease provided is off by one number) - Due Diligence Vendor-01/15/2025 |  | Resolved-Upon further review, Lower rent from 1007 was used to qualify , nothing further required. - Due Diligence Vendor-01/23/2025 | Months Reserves exceed minimum required - 5.29 months of reserves; 2 months required.<br>LTV is less than guideline maximum - LTV of 60% is lower than maximum 75%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3211690 |
| XXXX | 1121211 | XXXX D A | Closed | FCRE8611 | 2025-01-16 20:37 | 2025-01-20 14:50 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Upon further review, CPA letter verified borrower nature of business does not require a business number for this type of business, nothing further required. - Due Diligence Vendor-01/20/2025 <br> Ready for Review-Document Uploaded. CPA letter stated that the business does not require a business license; therefore, the business phone number will also not required to be listed. - Seller-01/17/2025 <br> Open-Goggle/Internet Telephone Business Search Missing. Per guidelines - Business phone number verification via XXXX Search, XXXX or internet is required. Otherwise, CPA must verify the borrower's nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower. - Due Diligence Vendor-01/17/2025 | Ready for Review-Document Uploaded. CPA letter stated that the business does not require a business license; therefore, the business phone number will also not required to be listed. - Seller-01/17/2025<br>| Resolved-Upon further review, CPA letter verified borrower nature of business does not require a business number for this type of business, nothing further required. - Due Diligence Vendor-01/20/2025<br>| Qualifying DTI below maximum allowed - DTI 26.37% is lower than 49.99% max allowed DTI<br>LTV is less than guideline maximum - LTV 50% is lower than 80% max allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3226846 |
| XXXX | 1121211 | XXXX D A | Closed | FCOM8972 | 2025-01-14 05:22 | 2025-01-20 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Deed of Trust Riders | Resolved-Missing copy of the Legal Description. - Due Diligence Vendor-01/20/2025 <br>Ready for Review-Document Uploaded. please see complete deed of trust - Seller-01/17/2025 <br>Open------Missing Legal Description - Due Diligence Vendor-01/14/2025 | Ready for Review-Document Uploaded. please see complete deed of trust - Seller-01/17/2025<br>| Resolved-Missing copy of the Legal Description. - Due Diligence Vendor-01/20/2025<br>| Qualifying DTI below maximum allowed - DTI 26.37% is lower than 49.99% max allowed DTI<br>LTV is less than guideline maximum - LTV 50% is lower than 80% max allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3199272 |
| XXXX | 1121213 | XXXX D A | Closed | FCRE1202 | 2025-01-27 16:47 | 2025-02-19 13:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Approval Letter by the UW Manager. - Due Diligence Vendor-02/19/2025 <br>Ready for Review-LOX LETTER - Seller-02/18/2025 <br>Open-Third Party Fraud Report Partially Provided Risk Score above 800 – Lender Mgt. Review and Approval by UW Manager required. - Due Diligence Vendor-01/27/2025 | Ready for Review-LOX LETTER - Seller-02/18/2025<br>| Resolved-Received Approval Letter by the UW Manager. - Due Diligence Vendor-02/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 802 FICO score is 20+ points above minimum 660 for program<br>Qualifying DTI below maximum allowed - 41.95% DTI is below 49.99% maximum allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3290783 |
| XXXX | 1121213 | XXXX D A | Closed | FCRE5782 | 2025-01-27 16:45 | 2025-02-19 13:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received the Borrower 1 Gap Credit Report. - Due Diligence Vendor-02/19/2025 <br>Ready for Review-Document Uploaded. SOFT PULL - Seller-02/18/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. SOFT PULL - Seller-02/18/2025<br>| Resolved-Received the Borrower 1 Gap Credit Report. - Due Diligence Vendor-02/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 802 FICO score is 20+ points above minimum 660 for program<br>Qualifying DTI below maximum allowed - 41.95% DTI is below 49.99% maximum allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3290758 |
| XXXX | 1121213 | XXXX D A | Closed | FCOM5135 | 2025-01-24 12:14 | 2025-02-19 10:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestation of no affiliates paid. Finding resolved. - Due Diligence Vendor-02/19/2025 <br>Ready for Review-Document Uploaded. WSPL - Seller-02/18/2025 <br>Open-Required Affiliated Business Disclosure Missing Missing affiliated business disclosure as required when title fees are present in Section B for proper fee testing. - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. WSPL - Seller-02/18/2025<br>| Resolved-Received attestation of no affiliates paid. Finding resolved. - Due Diligence Vendor-02/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 802 FICO score is 20+ points above minimum 660 for program<br>Qualifying DTI below maximum allowed - 41.95% DTI is below 49.99% maximum allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3277291 |
| XXXX | 1121221 | XXXX C B A | Closed | finding-3635 | 2025-01-15 09:50 | 2025-02-04 10:04 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received updated Service Provider list, finding resolved. - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. For section C, If the fee is paid to a provider on the lender's list, there is a 10% tolerance. Please review the correct WSSPL. <br> - Seller-02/03/2025 <br> Counter-Fees in Section C are not subject to tolerance limitations. The only fees subject to the 10% would be Section B fees where borrower used Title Company on Service Provider list and recording fees. Finding remains. - Due Diligence Vendor-01/27/2025 <br> Ready for Review-The 10% tolerance is calculated on the combined total of fees in Section C and Section E. If you compare the LLE's section C+E = XXXX, and FCD's section C+E= XXXX you can see that there has been no increase in the total amount. Please waive this condition. <br> - Seller-01/24/2025 <br> Counter-Received COC for appraisal field review. Finding is for increase in recording fees. Ten (10%) tolerance fees (Recording Fee) increased by XXXX 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 XXXX, 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 - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. Unlike desk review fee, field review is not a program requirement, thus it may be added in the middle of the transaction with a valid COC . - Seller-01/21/2025 <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% (XXXX) exceed the comparable charges (XXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Ten (10%) tolerance fees (Recording Fee) increased by XXXX 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 XXXX, 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<br> - Due Diligence Vendor-01/15/2025 | Ready for Review-Document Uploaded. For section C, If the fee is paid to a provider on the lender's list, there is a 10% tolerance. Please review the correct WSSPL. <br> - Seller-02/03/2025 <br> Ready for Review-The 10% tolerance is calculated on the combined total of fees in Section C and Section E. If you compare the LLE's section C+E = XXXX, and FCD's section C+E= XXXX you can see that there has been no increase in the total amount. Please waive this condition. <br> - Seller-01/24/2025 <br> Ready for Review-Document Uploaded. Unlike desk review fee, field review is not a program requirement, thus it may be added in the middle of the transaction with a valid COC . - Seller-01/21/2025 | Resolved-Received updated Service Provider list, finding resolved. - Due Diligence Vendor-02/04/2025<br>| LTV is less than guideline maximum - 80% LTV is less than 90% guideline maximum <br>Months Reserves exceed minimum required - 6.74 months reserves exceed 4 month minimum required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3209427 |
| XXXX | 1121221 | XXXX C B A | Closed | FCRE8611 | 2025-01-22 16:22 | 2025-01-27 18:23 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received CPA letter with business number. - Due Diligence Vendor-01/27/2025 <br>Ready for Review-Document Uploaded. The CPA letter confirming the biz phone# was already in the package. Please waive this condition. - Seller-01/24/2025 <br>Open-Missing - self-employment income must be verified via a phone listing (telephone book, directory assistance or internet) or third party (licensing bureau, regulatory<br> agency, CPA, etc.). - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. The CPA letter confirming the biz phone# was already in the package. Please waive this condition. - Seller-01/24/2025<br>| Resolved-Received CPA letter with business number. - Due Diligence Vendor-01/27/2025<br>| LTV is less than guideline maximum - 80% LTV is less than 90% guideline maximum <br>Months Reserves exceed minimum required - 6.74 months reserves exceed 4 month minimum required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3258321 |
| XXXX | 1121221 | XXXX C B A | Closed | FCOM5135 | 2025-01-15 10:28 | 2025-01-15 10:28 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-01/15/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-01/15/2025<br>| LTV is less than guideline maximum - 80% LTV is less than 90% guideline maximum <br>Months Reserves exceed minimum required - 6.74 months reserves exceed 4 month minimum required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3209877 |
| XXXX | 1121242 | XXXX D A | Closed | FCRE5782 | 2025-01-30 14:27 | 2025-03-05 16:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit received dated 1/8/2025. - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. See attached Refresh report - Seller-03/05/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. See attached Refresh report - Seller-03/05/2025<br>| Resolved-Borrower 1 Gap Credit received dated XXXX. - Due Diligence Vendor-03/05/2025 | LTV is less than guideline maximum - 75% LTV is less than 80% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 764 FICO score is 20+ points above 660 minimum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3319823 |
| XXXX | 1121242 | XXXX D A | Closed | FCRE1202 | 2025-01-30 14:35 | 2025-01-30 16:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved--Not required - Due Diligence Vendor-01/30/2025 <br> Open-Third Party Fraud Report Partially Provided Missing XXXX search for seller - Due Diligence Vendor-01/30/2025 |  | Resolved--Not required - Due Diligence Vendor-01/30/2025<br>| LTV is less than guideline maximum - 75% LTV is less than 80% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 764 FICO score is 20+ points above 660 minimum |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3319922 |
| XXXX | 1121240 | XXXX D B A | Closed | FCOM5135 | 2025-01-30 08:04 | 2025-07-16 12:23 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing.-Originator waiver applied to material findings. - Due Diligence Vendor-07/16/2025 |  | Waived-Required Affiliated Business Disclosure Missing.-Originator waiver applied to material findings. - Due Diligence Vendor-07/16/2025<br>| Verified employment history exceeds guidelines - 5 Years of Employment exceeds the 24 month requirement <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 773 is higher than the 660 minimum score |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 3314583 |
| XXXX | 1121240 | XXXX D B A | Closed | FCRE1193 | 2025-02-20 13:20 | 2025-03-05 16:34 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Upon review of Gap Credit, XXXX acct XXXX reflects higher balance than paid at closing. Payment of XXXX per Gap was added to DTI; DTI below 50%, Finding resolved. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Hello, It will show on the gap report due to this loan was paid off on closing please waive this condition - Seller-03/03/2025 <br> Counter-Caponeauto account XXXX was reported on the Gap Report and not included in the DTI. - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. XXXX XXXX has been paid off at closing. Please advise why it is included in debt - Seller-02/24/2025 <br> Open-Audited DTI of 57.32% exceeds Guideline DTI of 49.99%. Due XXXX payment of XXXX balance XXXX refelcted on the Gap Report. - Due Diligence Vendor-02/20/2025 | Ready for Review-Hello, It will show on the gap report due to this loan was paid off on closing please waive this condition - Seller-03/03/2025 <br> Ready for Review-Document Uploaded. XXXX has been paid off at closing. Please advise why it is included in debt - Seller-02/24/2025 | Resolved-Upon review of Gap Credit, Cap One acct XXXX reflects higher balance than paid at closing. Payment of XXXX per Gap was added to DTI; DTI below 50%, Finding resolved. - Due Diligence Vendor-03/05/2025 | Verified employment history exceeds guidelines - 5 Years of Employment exceeds the 24 month requirement <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 773 is higher than the 660 minimum score |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3455853 |
| XXXX | 1121240 | XXXX D B A | Closed | FCRE5782 | 2025-01-30 21:35 | 2025-03-05 16:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/20/2025 <br>Ready for Review-Document Uploaded. please see soft pull - Seller-02/19/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Missing Borrower 1 Gap Credit Report - Due Diligence Vendor-01/31/2025 | Ready for Review-Document Uploaded. please see soft pull - Seller-02/19/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/20/2025<br>| Verified employment history exceeds guidelines - 5 Years of Employment exceeds the 24 month requirement <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 773 is higher than the 660 minimum score |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3322911 |
| XXXX | 1121227 | XXXX C B A | Closed | FCRE8611 | 2025-01-21 21:03 | 2025-01-31 15:32 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received Internet Search. - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Document Uploaded. XXXX, I must've forgotten to attach the file. Please review the attached. - Seller-01/29/2025 <br> Counter-XXXX reviews not contained in the loan file or uploaded. - Due Diligence Vendor-01/28/2025 <br> Ready for Review-XXXX search - Seller-01/23/2025 <br> Open-A business phone number verification via XXXX Search, XXXX or internet was missing from the loan file for both of the borrower's businesses and the CPA did not confirm that the business phone numbers were not required for the type of business being operated by the borrower. - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. My bad, I must've forgotten to attach the file. Please review the attached. - Seller-01/29/2025 <br>Ready for Review-Yelp search - Seller-01/23/2025<br>| Resolved-Received Internet Search. - Due Diligence Vendor-01/31/2025<br>| LTV is less than guideline maximum - 80% LTV, 90% maximum LTV allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 753 qualifying FICO score, 660 minimum required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3249947 |
| XXXX | 1121227 | XXXX C B A | Closed | FCOM5135 | 2025-01-21 14:06 | 2025-01-21 14:06 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/21/2025<br>| LTV is less than guideline maximum - 80% LTV, 90% maximum LTV allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 753 qualifying FICO score, 660 minimum required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3247048 |
| XXXX | 1121237 | XXXX D B A | Closed | FCOM5135 | 2025-01-23 17:35 | 2025-02-03 08:14 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Originator waiver applied to non-material Findings - Due Diligence Vendor-01/29/2025 <br> Ready for Review-Document Uploaded. Please see WSSPL - Seller-01/27/2025 <br> Open-Required Affiliated Business Disclosure Missing - Missing Required Affiliated Business Disclosure - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. Please see WSSPL - Seller-01/27/2025<br>| Waived-Originator waiver applied to non-material Findings - Due Diligence Vendor-01/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 785 is higher than 660 minimum <br>Credit history exceeds minimum required - Credit history exceed minimum required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3271823 |
| XXXX | 1121228 | XXXX D B A | Closed | FCRE1506 | 2025-01-31 13:53 | 2025-03-11 14:26 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received correct P&L - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/10/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. The lender calculated the income based on a 12 month P&L. P&L in the loan file covers a 24 month period (XXXX thru XXXX) which has caused the DTI to exceed program guidelines. - Due Diligence Vendor-01/31/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-03/10/2025<br>| Resolved-Received correct P&L - Due Diligence Vendor-03/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 807 is higher than the program minimum 720<br>LTV is less than guideline maximum - Guidelines allow LTV to 80%. Subject loan LTV is 55%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3328632 |
| XXXX | 1121228 | XXXX D B A | Closed | FCRE1193 | 2025-01-31 13:53 | 2025-03-11 14:24 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received corrected P&L - Audited DTI of 33.6% is less than or equal to Guideline DTI of 49.99% - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Please see attached - Seller-03/10/2025 <br> Open-Audited DTI of 67.2% exceeds Guideline DTI of 49.99% The lender calculated the income based on a 12 month P&L. P&L in the loan file covers a 24 month period (XXXX thru XXXX) which has caused the DTI to exceed program guidelines. - Due Diligence Vendor-01/31/2025 | Ready for Review-Please see attached - Seller-03/10/2025<br>| Resolved-Received corrected P&L - Audited DTI of 33.6% is less than or equal to Guideline DTI of 49.99% - Due Diligence Vendor-03/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 807 is higher than the program minimum 720<br>LTV is less than guideline maximum - Guidelines allow LTV to 80%. Subject loan LTV is 55%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3328645 |
| XXXX | 1121228 | XXXX D B A | Closed | FCRE5782 | 2025-01-31 10:12 | 2025-03-11 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. Soft pull - Seller-02/20/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/31/2025 | Ready for Review-Document Uploaded. Soft pull - Seller-02/20/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 807 is higher than the program minimum 720<br>LTV is less than guideline maximum - Guidelines allow LTV to 80%. Subject loan LTV is 55%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3325780 |
| XXXX | 1121228 | XXXX D B A | Closed | FCOM5135 | 2025-01-30 08:36 | 2025-01-30 09:16 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - 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<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 807 is higher than the program minimum 720<br>LTV is less than guideline maximum - Guidelines allow LTV to 80%. Subject loan LTV is 55%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3314862 |
| XXXX | 1121243 | XXXX D B A | Closed | FCRE5790 | 2025-02-26 15:19 | 2025-02-28 14:34 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. please see Credit Refresh_XXXX - Seller-02/27/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). \*New\* Gap report is not dated within 10 days. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. please see Credit Refresh_XXXX - Seller-02/27/2025 | Resolved-Received Gap Report. - Due Diligence Vendor-02/28/2025<br>| Months Reserves exceed minimum required - 4 months reserves exceed 0 month minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - 739 vs. 680 @ 70% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3487530 |
| XXXX | 1121243 | XXXX D B A | Closed | FCRE5782 | 2025-02-04 13:09 | 2025-02-28 14:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. Soft pull - Seller-02/24/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing gap Credit report - Due Diligence Vendor-02/05/2025 | Ready for Review-Document Uploaded. Soft pull - Seller-02/24/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/26/2025<br>| Months Reserves exceed minimum required - 4 months reserves exceed 0 month minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - 739 vs. 680 @ 70% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3347537 |
| XXXX | 1121243 | XXXX D B A | Closed | FCRE1152 | 2025-02-05 14:39 | 2025-02-28 14:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Tax verification. - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/27/2025 <br>Open-Missing Evidence of Property Tax Tax bill in the file verifies lower amount than collected at closing. - Due Diligence Vendor-02/05/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-02/27/2025<br>| Resolved-Received Tax verification. - Due Diligence Vendor-02/28/2025<br>| Months Reserves exceed minimum required - 4 months reserves exceed 0 month minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - 739 vs. 680 @ 70% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3358930 |
| XXXX | 1121243 | XXXX D B A | Closed | FCRE1159 | 2025-02-04 13:00 | 2025-02-28 14:30 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received updated HOI policy. - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. Please see attached HOI - Seller-02/27/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Loan funded XXXX / HOI Dated XXXX - Due Diligence Vendor-02/05/2025 | Ready for Review-Document Uploaded. Please see attached HOI - Seller-02/27/2025<br>| Resolved-Received updated HOI policy. - Due Diligence Vendor-02/28/2025<br>| Months Reserves exceed minimum required - 4 months reserves exceed 0 month minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - 739 vs. 680 @ 70% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3347412 |
| XXXX | 1121243 | XXXX D B A | Closed | FCOM5135 | 2025-02-03 13:44 | 2025-02-03 16:52 | 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-02/03/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-02/03/2025<br>| Months Reserves exceed minimum required - 4 months reserves exceed 0 month minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - 739 vs. 680 @ 70% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3338219 |
| XXXX | 1121239 | XXXX B A | Closed | FCOM5135 | 2025-01-24 14:44 | 2025-01-24 14:45 | 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-01/24/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-01/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 754 is higher than 660 minimum requirement <br>Credit history exceeds minimum required - Credit history of 3 reporting tradelines in 24 months w/activity in last 12- months - exceeds the minimum required of 0 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3279263 |
| XXXX | 1121253 | XXXX D B A | Closed | FCOM5135 | 2025-02-03 12:22 | 2025-03-07 08:36 | Waived | 2 - Non-Material D 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-02/03/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-02/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 742 is more than 20 points higher than the guideline minimum 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 47.92 is lower than the guideline max of 49.99. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3336811 |
| XXXX | 1121253 | XXXX D B A | Closed | FCRE1198 | 2025-02-04 11:27 | 2025-03-05 15:43 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. Hello, Could you clarify why XXXX is required to meet the minimum 4 months reserves. per note monthly payment is XXXX, in 4 months reserve then that would be XXXX,<br>- Seller-03/04/2025 <br> Counter-Reviewed assets - XXXX total assets - XXXX cash to close leave XXXX available for reserves. XXXX is required to meet the minimum 4 months reserves. - Due Diligence Vendor-02/26/2025 <br> Ready for Review-We verified XXXX while required funds are XXXX (reserve XXXX + closing funds XXXX). Please advise how the asset is short? - Seller-02/24/2025 <br> Open-Audited Reserves of 3.8 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. Hello, Could you clarify why XXXX is required to meet the minimum 4 months reserves. per note monthly payment is XXXX, in 4 months reserve then that would be XXXX,<br>- Seller-03/04/2025 <br> Ready for Review-We verified XXXX while required funds are XXXX (reserve XXXX). Please advise how the asset is short? - Seller-02/24/2025 | Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-03/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 742 is more than 20 points higher than the guideline minimum 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 47.92 is lower than the guideline max of 49.99. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3346111 |
| XXXX | 1121253 | XXXX D B A | Closed | FCRE5782 | 2025-02-04 11:03 | 2025-02-25 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report for both borrowers. - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. Soft pull - Seller-02/21/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower 1 and Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. Soft pull - Seller-02/21/2025<br>| Resolved-Received Gap report for both borrowers. - Due Diligence Vendor-02/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 742 is more than 20 points higher than the guideline minimum 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 47.92 is lower than the guideline max of 49.99. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3345671 |
| XXXX | 1121241 | XXXX D B A | Closed | FCRE1510 | 2025-02-05 08:05 | 2025-02-28 14:27 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received recorded Mortgage w/Legal. - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-02/27/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description. - Due Diligence Vendor-02/05/2025 | Ready for Review-Document Uploaded. please see attached - Seller-02/27/2025<br>| Resolved-Received recorded Mortgage w/Legal. - Due Diligence Vendor-02/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 766 is more than 20 points higher than the guideline minimum of 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 19.44 is lower than the guideline max of 49.99.<br>Months Reserves exceed minimum required - Guides require 4 months reserves and the borrower has 21.78 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3353397 |
| XXXX | 1121241 | XXXX D B A | Closed | FCRE5782 | 2025-02-06 14:45 | 2025-02-26 14:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. Soft pull - Seller-02/24/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Soft pull - Seller-02/24/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 766 is more than 20 points higher than the guideline minimum of 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 19.44 is lower than the guideline max of 49.99.<br>Months Reserves exceed minimum required - Guides require 4 months reserves and the borrower has 21.78 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3368814 |
| XXXX | 1121241 | XXXX D B A | Closed | FCOM5135 | 2025-02-04 18:16 | 2025-02-05 08:12 | 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-02/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-02/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 766 is more than 20 points higher than the guideline minimum of 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 19.44 is lower than the guideline max of 49.99.<br>Months Reserves exceed minimum required - Guides require 4 months reserves and the borrower has 21.78 months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3351249 |
| XXXX | 1121230 | XXXX D B C A | Closed | FCRE1481 | 2025-01-30 13:56 | 2025-02-03 15:54 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received wire in the amount of XXXX and have the gift letter to match. Received wire for closing in the amount of XXXX. - Due Diligence Vendor-02/03/2025 <br> Ready for Review-Document Uploaded. Please see wire confirmations from escrow - Seller-01/31/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Gift letter provided. The loan file is missing receipt of the wire transfer of gift funds deposited to escrow at closing. Proof of receipt required to meet cash to close requirements. - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. Please see wire confirmations from escrow - Seller-01/31/2025<br>| Resolved-Received wire in the amount of XXXX and have the gift letter to match. Received wire for closing in the amount of XXXX. - Due Diligence Vendor-02/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - 747 qualifying FICO score, 660 minimum score required.<br>LTV is less than guideline maximum - Guidelines allow LTV to 80%. Subject loan LTV is 40%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3319396 |
| XXXX | 1121230 | XXXX D B C A | Closed | FCOM5135 | 2025-01-29 08:48 | 2025-02-03 10:26 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Originator waiver applied to non-material Findings - Due Diligence Vendor-02/03/2025 <br>Ready for Review-Document Uploaded. please see WSSPL - Seller-01/31/2025 <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-01/29/2025 | Ready for Review-Document Uploaded. please see WSSPL - Seller-01/31/2025<br>| Waived-Originator waiver applied to non-material Findings - Due Diligence Vendor-02/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 747 qualifying FICO score, 660 minimum score required.<br>LTV is less than guideline maximum - Guidelines allow LTV to 80%. Subject loan LTV is 40%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3304492 |
| XXXX | 1121231 | XXXX C B A | Closed | FCRE1510 | 2025-02-10 11:39 | 2025-03-05 14:54 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received confirmation Security Deed executed acceptably. - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. Please see email confirmation from notary that witness and notary person are not the same - Seller-03/04/2025 <br>Counter-Per Georgia state requirements, 1 witness and the notary cannot be the witness. - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Hello, Could you clarify why the notary cannot be the witness? - Seller-02/27/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Mortgage document does not appear to meet witness requirements. Witness cannot be the notary. - Due Diligence Vendor-02/10/2025 | Ready for Review-Document Uploaded. Please see email confirmation from notary that witness and notary person are not the same - Seller-03/04/2025 <br>Ready for Review-Hello, Could you clarify why the notary cannot be the witness? - Seller-02/27/2025<br>| Resolved-Received confirmation Security Deed executed acceptably. - Due Diligence Vendor-03/05/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 32.37 is lower than the guideline max of 49.99.<br>Months Reserves exceed minimum required - Guides require 4 months reserves and the borrower has 6 months. <br>LTV is less than guideline maximum - Qualifying LTV 75 is lower than the guideline max of 80.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 725 is more than 20 points higher than the guideline min of 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3386624 |
| XXXX | 1121231 | XXXX C B A | Closed | FCRE5790 | 2025-02-10 11:18 | 2025-02-28 14:36 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/27/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-02/10/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-02/27/2025 | Resolved-Received Gap Report. - Due Diligence Vendor-02/28/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 32.37 is lower than the guideline max of 49.99.<br>Months Reserves exceed minimum required - Guides require 4 months reserves and the borrower has 6 months. <br>LTV is less than guideline maximum - Qualifying LTV 75 is lower than the guideline max of 80.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 725 is more than 20 points higher than the guideline min of 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3386188 |
| XXXX | 1121231 | XXXX C B A | Closed | FCOM5135 | 2025-02-07 10:44 | 2025-02-07 10:45 | 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-02/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-02/07/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 32.37 is lower than the guideline max of 49.99.<br>Months Reserves exceed minimum required - Guides require 4 months reserves and the borrower has 6 months. <br>LTV is less than guideline maximum - Qualifying LTV 75 is lower than the guideline max of 80.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 725 is more than 20 points higher than the guideline min of 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3375293 |
| XXXX | 1121272 | XXXX C A | Closed | FCRE8611 | 2025-02-06 11:16 | 2025-02-10 15:56 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Upon further review, the CPA letter in file supports phone number is not public, nothing further required. - Due Diligence Vendor-02/10/2025 <br> Ready for Review-Document Uploaded. Please review the CPA letter again and waive the condition. - Seller-02/07/2025 <br> Open-Missing verification of business phone number. Per guidelines - Business phone number must be verifiable via XXXX Search, XXXX or internet. - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Please review the CPA letter again and waive the condition. - Seller-02/07/2025<br>| Resolved-Upon further review, the CPA letter in file supports phone number is not public, nothing further required. - Due Diligence Vendor-02/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 711 is more than 20 points higher than the guideline minimum of 660.<br>LTV is less than guideline maximum - Qualifying LTV 80% is less than the guideline max of 90%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3365890 |
| XXXX | 1121248 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1091882 | XXXX D A | Closed | FCRE8700 | 2025-02-10 15:05 | 2025-02-12 15:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Business Entity EIN was provided. - Due Diligence Vendor-02/12/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/10/2025 <br>Open-No EIN # provided - Due Diligence Vendor-02/10/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-02/10/2025<br>| Resolved-Business Entity EIN was provided. - Due Diligence Vendor-02/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 756 vs program min of 700<br>LTV is less than guideline maximum - LTV is 60% vs program max of 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3389807 |
| XXXX | 1091825 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1121282 | XXXX C B A | Closed | finding-47 | 2025-02-13 10:05 | 2025-02-19 12:47 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX with correct disbursement date of XXXX. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-Document Uploaded. Please review the PCCD. - Seller-02/19/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. Please review the PCCD. - Seller-02/19/2025<br>| Resolved-Received PCCD XXXX with correct disbursement date of XXXX. - Due Diligence Vendor-02/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FCIO 694<br>Months Reserves exceed minimum required - 8.9 months reserves vs. 4 required |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3415458 |
| XXXX | 1121282 | XXXX C B A | Closed | FCOM5135 | 2025-02-13 09:27 | 2025-02-13 09:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/13/2025 <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-02/13/2025 |  | Waived-Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FCIO 694<br>Months Reserves exceed minimum required - 8.9 months reserves vs. 4 required |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 3414963 |
| XXXX | 1121271 | XXXX D B C A | Closed | FCOM5135 | 2025-02-12 16:43 | 2025-03-07 08:37 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Upon further review, finding waived. Originator waiver applied to non-material Findings - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-02/26/2025 <br>Open-Required Affiliated Business Disclosure Missing Missing affiliated business disclosure as required when title fees are present in Section B for proper fee testing. - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. please see attached - Seller-02/26/2025<br>| Waived-Upon further review, finding waived. Originator waiver applied to non-material Findings - Due Diligence Vendor-02/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 718 is more than 20 points higher than the guideline min of 680.<br>LTV is less than guideline maximum - Qualifying LTV 70 is less than the guideline max of 90.<br>Months Reserves exceed minimum required - No reserves required and the borrower has 9 months. <br>Qualifying DTI below maximum allowed - Qualifying DTI 29.27 is lower than the guideline max of 49.99. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3411508 |
| XXXX | 1121271 | XXXX D B C A | Closed | FCRE1440 | 2025-02-13 15:32 | 2025-03-06 12:57 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Letter of explanation provided. - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. Please see Lender Cert - Seller-03/05/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Guidelines state that for a first time homebuyer, either a 12 month rental history or a rent free letter from a relative are required. The rent free letter provided is from the borrowers business partner. - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. Please see Lender Cert - Seller-03/05/2025<br>| Resolved-Letter of explanation provided. - Due Diligence Vendor-03/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 718 is more than 20 points higher than the guideline min of 680.<br>LTV is less than guideline maximum - Qualifying LTV 70 is less than the guideline max of 90.<br>Months Reserves exceed minimum required - No reserves required and the borrower has 9 months. <br>Qualifying DTI below maximum allowed - Qualifying DTI 29.27 is lower than the guideline max of 49.99. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3419807 |
| XXXX | 1121271 | XXXX D B C A | Closed | FPRO0011 | 2025-02-13 15:46 | 2025-03-03 14:15 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. PDI - Seller-02/28/2025 <br> Open-XXXX<br> Incident Period: XXXX and continuing <br> Subject county impacted by recent XXXX event and no appraisal commentary noted to address. <br> PDI report required - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. PDI - Seller-02/28/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 718 is more than 20 points higher than the guideline min of 680.<br>LTV is less than guideline maximum - Qualifying LTV 70 is less than the guideline max of 90.<br>Months Reserves exceed minimum required - No reserves required and the borrower has 9 months. <br>Qualifying DTI below maximum allowed - Qualifying DTI 29.27 is lower than the guideline max of 49.99. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3419954 |
| XXXX | 1121271 | XXXX D B C A | Closed | FCOM2328 | 2025-02-13 07:51 | 2025-02-28 09:27 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Escrow Account | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. Hello, Loan is an impound account that is why this section was not checked, please have this waived - Seller-02/26/2025 <br>Open------Final CD, page 4 is missing reason for no escrow account established, either declined or lender does not offer one box is not checked. Provide a PCCD with correction within 60 days of consummation. - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. Hello, Loan is an impound account that is why this section was not checked, please have this waived - Seller-02/26/2025<br>| Resolved-Upon further review, finding resolved. - Due Diligence Vendor-02/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 718 is more than 20 points higher than the guideline min of 680.<br>LTV is less than guideline maximum - Qualifying LTV 70 is less than the guideline max of 90.<br>Months Reserves exceed minimum required - No reserves required and the borrower has 9 months. <br>Qualifying DTI below maximum allowed - Qualifying DTI 29.27 is lower than the guideline max of 49.99. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3414169 |
| XXXX | 1121271 | XXXX D B C A | Closed | FCOM1621 | 2025-02-13 15:38 | 2025-02-28 09:26 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Received Initial Escrow Account Disclosure, Finding Resolved - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-02/26/2025 <br>Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. please see attached - Seller-02/26/2025<br>| Resolved-Received Initial Escrow Account Disclosure, Finding Resolved - Due Diligence Vendor-02/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 718 is more than 20 points higher than the guideline min of 680.<br>LTV is less than guideline maximum - Qualifying LTV 70 is less than the guideline max of 90.<br>Months Reserves exceed minimum required - No reserves required and the borrower has 9 months. <br>Qualifying DTI below maximum allowed - Qualifying DTI 29.27 is lower than the guideline max of 49.99. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3419895 |
| XXXX | 1121299 | XXXX B A | Closed | FCOM5135 | 2025-02-13 07:37 | 2025-02-13 09:23 | 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-02/13/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-02/13/2025<br>| Months Reserves exceed minimum required - No reserves required and the borrower has 144 months.<br>Qualifying DTI below maximum allowed - Qualifying DTI 35.81% is lower than the guideline max of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779 is more than 20 points higher than the guideline min of 660.<br>LTV is less than guideline maximum - Qualifying LTV 49.18% is lower than the guideline max of 75%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3414098 |
| XXXX | 1121300 | XXXX D B A | Closed | FCOM5135 | 2025-02-13 12:33 | 2025-03-07 08:38 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Originator waiver applied to non-material Findings - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. PLease see attached - Seller-02/26/2025 <br>Open-Required Affiliated Business Disclosure Missing ---- Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. PLease see attached - Seller-02/26/2025<br>| Waived-Originator waiver applied to non-material Findings - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 734 is more than 20 points higher than the guideline min of 660.<br>LTV is less than guideline maximum - Qualifying LTV 70 is less than the guideline max of 80.<br>Qualifying DTI below maximum allowed - Qualifying DTI 34.09 is less than the guideline max of 49.99. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3417571 |
| XXXX | 1121300 | XXXX D B A | Closed | FCRE0044 | 2025-02-27 15:38 | 2025-03-06 12:58 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Inquiry letter provided. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. Please see LOE - Seller-03/05/2025 <br> Open-LOX for credit inquiries is missing. \*New\* Please provide an LOE for the inquiry on XXXX reporting on the Gap Report. - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. Please see LOE - Seller-03/05/2025<br>| Resolved-Inquiry letter provided. - Due Diligence Vendor-03/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 734 is more than 20 points higher than the guideline min of 660.<br>LTV is less than guideline maximum - Qualifying LTV 70 is less than the guideline max of 80.<br>Qualifying DTI below maximum allowed - Qualifying DTI 34.09 is less than the guideline max of 49.99. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3496606 |
| XXXX | 1121300 | XXXX D B A | Closed | FCRE5782 | 2025-02-18 13:12 | 2025-02-27 15:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Soft pull - Seller-02/26/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Soft pull - Seller-02/26/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 734 is more than 20 points higher than the guideline min of 660.<br>LTV is less than guideline maximum - Qualifying LTV 70 is less than the guideline max of 80.<br>Qualifying DTI below maximum allowed - Qualifying DTI 34.09 is less than the guideline max of 49.99. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3440249 |
| XXXX | 1121304 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1091881 | XXXX C A | Closed | FCRE1506 | 2025-02-14 16:55 | 2025-02-24 16:16 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received lender approval form reflecting correct document type and program. - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. See corrected approval - Seller-02/21/2025 <br> Counter-Received notes XXXX mos bank statement program is allowed for program however Matrix dated XXXX Income Requirements only reflect Asset Util/Dep/WVOE/P&L only. (Approval received in file reflects as Full Doc). - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Please note that per the XXXX guidelines, Bank Statement are allowed for the NonQM Program. The Matrix only addresses overlays specific to the documentation types mentioned; since there are no overlays for the Bank Statement program, it is not mentioned on the Matrix.. - Seller-02/18/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. income finding - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. See corrected approval - Seller-02/21/2025 <br> Ready for Review-Please note that per the XXXX guidelines, Bank Statement are allowed for the NonQM Program. The Matrix only addresses overlays specific to the documentation types mentioned; since there are no overlays for the Bank Statement program, it is not mentioned on the Matrix.. - Seller-02/18/2025 | Resolved-Received lender approval form reflecting correct document type and program. - Due Diligence Vendor-02/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 742<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's FICO 742 |  | 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 | 3429315 |
| XXXX | 1091881 | XXXX C A | Closed | FCRE8201 | 2025-02-14 14:11 | 2025-02-24 16:13 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received approval confirming program and document type. - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. Please see corrected approval form - Seller-02/21/2025 <br> Counter-Received notes 12-24 mos bank statement program is allowed for program however Matrix dated XXXX XXXX Alt Doc Income Requirements only reflect Asset Util/Dep/WVOE/P&L only. (Approval received in file reflects as Full Doc). - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Please note that per the XXXX guidelines, Bank Statement are allowed for the XXXX. The Matrix only addresses overlays specific to the documentation types mentioned; since there are no overlays for the Bank Statement program, it is not mentioned on the Matrix.. - Seller-02/18/2025 <br> Open-Based on the XXXX Matrix, it does not allow for Bank Statement Program - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. Please see corrected approval form - Seller-02/21/2025 <br> Ready for Review-Please note that per the XXXX guidelines, Bank Statement are allowed for the XXXX Program. The Matrix only addresses overlays specific to the documentation types mentioned; since there are no overlays for the Bank Statement program, it is not mentioned on the Matrix.. - Seller-02/18/2025 | Resolved-Received approval confirming program and document type. - Due Diligence Vendor-02/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 742<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's FICO 742 |  | 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 | 3427888 |
| XXXX | 1121337 | XXXX D B A | Closed | FCRE1193 | 2025-02-18 16:44 | 2025-03-11 14:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received updated balance of new debt and excluded debt paid at close. Audited DTI of 49.99% is less than or equal to Guideline DTI of 49.99% - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/10/2025 <br> Open-Audited DTI of 53.35% exceeds Guideline DTI of 49.99% Per credit inquiry letter, new credit card account was opened. Lender did not include in the DTI. XXXX XXXX. Total purchases XXXX not yet due and payable. Per guidelines, 5% of the outstanding balance to be added to the DTI. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-03/10/2025<br>| Resolved-Received updated balance of new debt and excluded debt paid at close. Audited DTI of 49.99% is less than or equal to Guideline DTI of 49.99% - Due Diligence Vendor-03/11/2025<br>| Months Reserves exceed minimum required - 24 mths reserves; 0 mths required.<br>LTV is less than guideline maximum - 57.95% VS. 75% max available |  | 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 | 3441969 |
| XXXX | 1121337 | XXXX D B A | Closed | FCRE5782 | 2025-02-18 16:23 | 2025-03-11 14:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap report. - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. Soft pull - Seller-02/26/2025 <br>Open-Borrower 1 Gap Credit Report is Missing No Gap Rep on file - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. Soft pull - Seller-02/26/2025<br>| Resolved-Received gap report. - Due Diligence Vendor-02/28/2025<br>| Months Reserves exceed minimum required - 24 mths reserves; 0 mths required.<br>LTV is less than guideline maximum - 57.95% VS. 75% max available |  | 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 | 3441840 |
| XXXX | 1121337 | XXXX D B A | Closed | FCOM5135 | 2025-02-14 13:41 | 2025-02-14 13:57 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-02/14/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-02/14/2025<br>| Months Reserves exceed minimum required - 24 mths reserves; 0 mths required.<br>LTV is less than guideline maximum - 57.95% VS. 75% max available |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3427606 |
| XXXX | 1121335 | XXXX D B A | Closed | FCRE5782 | 2025-02-24 08:27 | 2025-03-05 14:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. Soft pull - Seller-03/04/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Cred - Due Diligence Vendor-02/24/2025 | Ready for Review-Document Uploaded. Soft pull - Seller-03/04/2025<br>| Resolved-Received Gap Report - Due Diligence Vendor-03/05/2025<br>| LTV is less than guideline maximum - LTV of 43.75% is below the maximum of 80% allowed per guidelines.<br>Qualifying DTI below maximum allowed - DTI of 25.36% is less than the maximum allowed per guidelines of 49.99% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3467787 |
| XXXX | 1121335 | XXXX D B A | Closed | FCOM5135 | 2025-02-19 16:46 | 2025-02-19 16:46 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing . Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/16/2025 |  | Waived-Required Affiliated Business Disclosure Missing . Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/16/2025<br>| LTV is less than guideline maximum - LTV of 43.75% is below the maximum of 80% allowed per guidelines.<br>Qualifying DTI below maximum allowed - DTI of 25.36% is less than the maximum allowed per guidelines of 49.99% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3450480 |
| XXXX | 1121431 | XXXX C B A | Closed | finding-3635 | 2025-03-05 12:15 | 2025-03-14 09:05 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received PCCD XXXX with corrected fee placement. Finding resolved. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. The fees listed in section C of the FCD should've been in section B, but they were misplaced due to a system glitch. Please review the attached corrected PCCD. - Seller-03/13/2025 <br> Counter-Fees in Section C do not factor in the 10% Tolerance bucket when it is a Borrower's Selected vendor. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Under TRID, fees subject to the 10% Cumulative Tolerance (C+E) category. The tolerance should be calculated cumulatively. Please review again. - Seller-03/10/2025 <br> Counter-Received copy of page 2 of intial LE and Final CD, stating that fees in Section C added to Recording fee in Section E decreased. Fees in Section C are not subject to 10% tolerance and would not be included in this calculation. Only title fees in Section B and recording fees are subject to the 10% tolerance fee. Recording fee on inital LE, XXXX plus the 10% tolerance is XXXX. This amount is exceeded by XXXX when compared to the final CD recording fee of XXXX. Finding remains. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. Please review the LE and CD again. Nothing has been increased. - Seller-03/06/2025 <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% (XXXX) exceed the comparable charges (XXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ...Ten (10%) tolerance fees (Recording Fee) increased by XXXX 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 XXXX, 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. - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. The fees listed in section C of the FCD should've been in section B, but they were misplaced due to a system glitch. Please review the attached corrected PCCD. - Seller-03/13/2025 <br>Ready for Review-Under TRID, fees subject to the 10% Cumulative Tolerance (C+E) category. The tolerance should be calculated cumulatively. Please review again. - Seller-03/10/2025 <br>Ready for Review-Document Uploaded. Please review the LE and CD again. Nothing has been increased. - Seller-03/06/2025<br>| Resolved-Received PCCD XXXX with corrected fee placement. Finding resolved. - Due Diligence Vendor-03/14/2025 | Qualifying DTI below maximum allowed - DTI 36.24% is lower than the 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 784 is higher than the 660 minimum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3533703 |
| XXXX | 1121431 | XXXX C B A | Closed | FCOM5135 | 2025-03-05 12:52 | 2025-03-05 12:53 | 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-03/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-03/05/2025<br>| Qualifying DTI below maximum allowed - DTI 36.24% is lower than the 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 784 is higher than the 660 minimum |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3534467 |
| XXXX | 1120044 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1121255 | XXXX C A | Closed | FPRO0021 | 2025-02-24 15:17 | 2025-02-27 14:31 | Resolved | 1 - Information C A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Please find the attached PDI - Seller-02/25/2025 <br> Open-California XXXX. PDI Required - Due Diligence Vendor-02/24/2025 | Ready for Review-Document Uploaded. Please find the attached PDI - Seller-02/25/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/27/2025 | Months Reserves exceed minimum required - Guides do not require any reserves and the borrower has 106 months. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 737 is more than 20 points higher than the guideline min of 660. |  | 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 | 3472020 |
| XXXX | 1121349 | XXXX D B A | Closed | FCRE5782 | 2025-02-25 09:35 | 2025-03-07 14:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-03/07/2025 <br>Ready for Review-Document Uploaded. soft pull - Seller-03/05/2025 <br>Open-Borrower 1 Gap Credit Report is Missing B1 & B2 Gap Credit Report is Missing - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. soft pull - Seller-03/05/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-03/07/2025<br>| Months Reserves exceed minimum required - 59 months available vs. 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 660 credit score. Qualifying credit score is 810.<br>LTV is less than guideline maximum - 65% LTV vs. max LTV of 90% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3475563 |
| XXXX | 1121349 | XXXX D B A | Closed | FCRE8611 | 2025-02-25 11:23 | 2025-03-07 14:12 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Upon further review, tax preparer states phone number of the business is not required to be listed for the nature of the business. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. Please see attached print screen of cpa letter included in the closing package - Seller-03/05/2025 <br> Open-Verification of business phone number required. Per guidelines - Business phone number must be verifiable via XXXX Search, XXXX or internet. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Please see attached print screen of cpa letter included in the closing package - Seller-03/05/2025<br>| Resolved-Upon further review, tax preparer states phone number of the business is not required to be listed for the nature of the business. - Due Diligence Vendor-03/07/2025<br>| Months Reserves exceed minimum required - 59 months available vs. 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 660 credit score. Qualifying credit score is 810.<br>LTV is less than guideline maximum - 65% LTV vs. max LTV of 90% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3477203 |
| XXXX | 1121349 | XXXX D B A | Closed | FCOM5135 | 2025-02-21 13:52 | 2025-02-21 13:52 | 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-02/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/21/2025<br>| Months Reserves exceed minimum required - 59 months available vs. 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 660 credit score. Qualifying credit score is 810.<br>LTV is less than guideline maximum - 65% LTV vs. max LTV of 90% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3463893 |
| XXXX | 1121432 | XXXX B A | Closed | FCOM5135 | 2025-02-21 10:54 | 2025-02-21 10:54 | 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-02/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-02/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 761 is higher than the minimum required score of 660<br>On time mortgage history exceeds guideline requirement - Credit report reports on time mortgage history for last 22 months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3461360 |
| XXXX | 1121454 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1121434 | XXXX D B A | Closed | FCRE5782 | 2025-03-04 10:31 | 2025-03-07 13:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-03/07/2025 <br>Ready for Review-Document Uploaded. soft pull - Seller-03/05/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing gap credit report for B1. - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. soft pull - Seller-03/05/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-03/07/2025<br>| Qualifying DTI below maximum allowed - 39.43% vs. max DTI of 49.99%<br>Months Reserves exceed minimum required - 22.63 months available vs. 4 required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3521916 |
| XXXX | 1121434 | XXXX D B A | Closed | FCOM5135 | 2025-03-03 13:53 | 2025-03-03 14:19 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-03/03/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-03/03/2025<br>| Qualifying DTI below maximum allowed - 39.43% vs. max DTI of 49.99%<br>Months Reserves exceed minimum required - 22.63 months available vs. 4 required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3515060 |
| XXXX | 1121458 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1121430 | XXXX B A | Closed | FCOM5135 | 2025-02-25 10:55 | 2025-02-25 11:53 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/25/2025<br>| Qualifying DTI below maximum allowed - The Borrowers DTI is 40.76%; guideline maximum is 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers credit score is 774; guideline minimum is 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3476435 |
| XXXX | 1121470 | XXXX D A | Closed | FCRE7347 | 2025-03-10 09:25 | 2025-03-12 14:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received lease agreements. - Due Diligence Vendor-03/12/2025 <br> Open-Missing Lease Agreements for XXXX properties listed under XXXX on Final CD: XXXX. Audit used lease figures reflect on Final CD. Lease amounts to be verified, Additional conditions may apply. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. Please review the lease agreements - Seller-03/11/2025 | Ready for Review-Document Uploaded. Please review the lease agreements - Seller-03/11/2025<br>| Resolved-Received lease agreements. - Due Diligence Vendor-03/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 725 and minimum allowed is 660.<br>Months Reserves exceed minimum required - Borrower has 19.38 months of reserves and minimum required is 6.<br>LTV is less than guideline maximum - LTV is 61.37% and max allowed is 80%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3567967 |
| XXXX | 1121470 | XXXX D A | Closed | FCRE8611 | 2025-03-10 14:30 | 2025-03-12 14:49 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received Internet Search. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. Please review the docu - Seller-03/11/2025 <br> Open-Missing Verification on business phone number - Per guidelines Business phone number verification via XXXX Search, XXXX or internet is required. Otherwise, CPA must verify the borrower's nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. Please review the docu - Seller-03/11/2025<br>| Resolved-Received Internet Search. - Due Diligence Vendor-03/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 725 and minimum allowed is 660.<br>Months Reserves exceed minimum required - Borrower has 19.38 months of reserves and minimum required is 6.<br>LTV is less than guideline maximum - LTV is 61.37% and max allowed is 80%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3572858 |
| XXXX | 1121471 | XXXX D A | Closed | FCRE1205 | 2025-03-10 10:52 | 2025-03-27 09:30 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received updated fraud report - Due Diligence Vendor-03/27/2025 <br> Open-XXXX Check Not Completed and/or Cleared for the broker and the underwriter. Per guides Section 17.11 (PAGE 34) , if any of the companies or individuals involved in<br> the origination, UNDERWRITING , or servicing of the mortgage transaction are on any of the following lists: XXXX List. Regardless of the reason or the scope for the party being excluded, any party to the transaction included on either list will result in the loan being ineligible for delivery. - Due Diligence Vendor-03/10/2025 |  | Resolved-Received updated fraud report - Due Diligence Vendor-03/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 725 and minimum allowed is 660.<br>LTV is less than guideline maximum - LTV is 60.99% and max allowed is 80%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3569245 |
| XXXX | 1121471 | XXXX D A | Closed | FCRE8611 | 2025-03-10 15:20 | 2025-03-12 14:30 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received Internet Search. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. Please find the attached verification of business phone search. - Seller-03/10/2025 <br> Open-Missing verification of business phone search. Per guidelines Business phone number verification via XXXX Search, XXXX or internet is required. Otherwise, CPA must verify the borrower's nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower." - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. Please find the attached verification of business phone search. - Seller-03/10/2025<br>| Resolved-Received Internet Search. - Due Diligence Vendor-03/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 725 and minimum allowed is 660.<br>LTV is less than guideline maximum - LTV is 60.99% and max allowed is 80%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3573779 |
| XXXX | 1121471 | XXXX D A | Closed | FCRE7347 | 2025-03-10 11:02 | 2025-03-12 14:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received lease agreements. - Due Diligence Vendor-03/12/2025 <br> Open-Missing Lease Agreements for XXXX REO's listed in Section XXXX on Final 1003: XXXX. Audit used rental income listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. Please find the attached Lease Agreements for XXXX and XXXX, the one for 230 is in the package. - Seller-03/10/2025 | Ready for Review-Document Uploaded. Please find the attached Lease Agreements for XXXX and XXXX, the one for XXXX is in the package. - Seller-03/10/2025 | Resolved-Received lease agreements. - Due Diligence Vendor-03/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 725 and minimum allowed is 660.<br>LTV is less than guideline maximum - LTV is 60.99% and max allowed is 80%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3569367 |
| XXXX | 1121340 | XXXX C B A | Closed | FPRO0021 | 2025-02-25 13:12 | 2025-02-28 13:56 | Resolved | 1 - Information C A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. PDI attached - Seller-02/26/2025 <br> Open-FEMA disaster after appraisal without a Individual PDI or 1004D. XXXX. No comment was noted by Appraiser - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. PDI attached - Seller-02/26/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/28/2025 | Qualifying DTI below maximum allowed - 30.05% vs. 49.99%<br>Months Reserves exceed minimum required - 12 months available vs. 4 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3478397 |
| XXXX | 1121340 | XXXX C B A | Closed | FPRO0022 | 2025-02-25 13:12 | 2025-02-25 14:25 | Waived | 2 - Non-Material B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-02/25/2025 <br> Open-FEMA disaster after appraisal without a Public PDI or 1004D. XXXX. No comment was noted by Appraiser - Due Diligence Vendor-02/25/2025 |  | Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-02/25/2025<br>| Qualifying DTI below maximum allowed - 30.05% vs. 49.99%<br>Months Reserves exceed minimum required - 12 months available vs. 4 required |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 3478398 |
| XXXX | 1121340 | XXXX C B A | Closed | FCOM5135 | 2025-02-24 10:00 | 2025-02-24 10:00 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/24/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/24/2025<br>| Qualifying DTI below maximum allowed - 30.05% vs. 49.99%<br>Months Reserves exceed minimum required - 12 months available vs. 4 required |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 3468454 |
| XXXX | 1121363 | XXXX D A C | Closed | FCRE5782 | 2025-02-25 17:48 | 2025-02-28 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap credit report. - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. soft pull - Seller-02/26/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. soft pull - Seller-02/26/2025<br>| Resolved-Received Gap credit report. - Due Diligence Vendor-02/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrower credit score is 737; guideline minimum is 680.<br>LTV is less than guideline maximum - LTV is 70%; guideline maximum is 85% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3480809 |
| XXXX | 1121363 | XXXX D A C | Closed | FCRE1201 | 2025-02-25 17:49 | 2025-02-28 13:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received complete Fraud Report. - Due Diligence Vendor-02/28/2025 <br>Ready for Review-fraud guard - Seller-02/26/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/25/2025 | Ready for Review-fraud guard - Seller-02/26/2025<br>| Resolved-Received complete Fraud Report. - Due Diligence Vendor-02/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrower credit score is 737; guideline minimum is 680.<br>LTV is less than guideline maximum - LTV is 70%; guideline maximum is 85% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3480897 |
| XXXX | 1121363 | XXXX D A C | Closed | FPRO0011 | 2025-02-25 18:00 | 2025-02-26 14:54 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Appraisal completed after incident end date. Appraiser comments: There were no measurable areas of functional or external obsolescence observed - Due Diligence Vendor-02/26/2025 <br> Open-XXXX<br> Incident Period: XXXX<br> Major Disaster Declaration declared on XXXX<br>Appraisal Completed XXXX No structural damage. - Due Diligence Vendor-02/25/2025 |  | Resolved-Appraisal completed after incident end date. Appraiser comments: There were no measurable areas of functional or external obsolescence observed - Due Diligence Vendor-02/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrower credit score is 737; guideline minimum is 680.<br>LTV is less than guideline maximum - LTV is 70%; guideline maximum is 85% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3480947 |
| XXXX | 1121363 | XXXX D A C | Closed | FPRO0012 | 2025-02-25 18:00 | 2025-02-26 14:42 | Resolved | 1 - Information B A | Property | Property | FEMA disaster declared PUBLIC ONLY | Resolved- - Due Diligence Vendor-02/26/2025 <br> Open-XXXX)<br> Incident Period: XXXX<br> Major Disaster Declaration declared on XXXX<br>Appraisal Completed XXXX No structural damage. - Due Diligence Vendor-02/25/2025 |  |  | Qualifying FICO score is at least 20 points above minimum for program - The Borrower credit score is 737; guideline minimum is 680.<br>LTV is less than guideline maximum - LTV is 70%; guideline maximum is 85% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3480948 |
| XXXX | 1121298 | XXXX C A | Closed | FCRE1206 | 2025-02-27 12:44 | 2025-03-19 15:35 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report with cleared alerts. - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. Please review the revised report. - Seller-03/18/2025 <br>Counter-Fraud report with Realtor provided, however there are uncleared high alerts. Finding remains. - Due Diligence Vendor-03/07/2025 <br>Ready for Review-Document Uploaded. Please review the report. - Seller-03/06/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Realtor not included on Search. Appraiser is not listed, but file include a License. Appraiser not considered in defect. - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. Please review the revised report. - Seller-03/18/2025 <br>Ready for Review-Document Uploaded. Please review the report. - Seller-03/06/2025<br>| Resolved-Received Fraud report with cleared alerts. - Due Diligence Vendor-03/19/2025<br>| Months Reserves exceed minimum required - Over 300 months reserves; 6 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - o Qualifying FICO score 803; guidelines require 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3494415 |
| XXXX | 1121424 | XXXX C A | Closed | FPRO0011 | 2025-03-07 05:31 | 2025-03-21 16:35 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. Please review the PDI report. - Seller-03/20/2025 <br> Counter-Appraiser inspection date is XXXX and the disaster end date is XXXX. Please provide a PDI. - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. Please review the Lender certificate regarding XXXX disaster. Please advise if this one can waive this condition or not. - Seller-03/11/2025 <br> Open-XXXX. Appraisal dated XXXX no commentary made by appraiser regarding XXXX disaster. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. Please review the PDI report. - Seller-03/20/2025 <br> Ready for Review-Document Uploaded. Please review the Lender certificate regarding XXXX disaster. Please advise if this one can waive this condition or not. - Seller-03/11/2025 | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/21/2025 | Months Reserves exceed minimum required - Guidelines require 0 months of reserves. Qualifying reserves are 5.89 months.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 721 is higher than 660 minimum requirement |  | 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 | 3552630 |
| XXXX | 1121428 | XXXX B A | Closed | FCOM5135 | 2025-02-28 09:20 | 2025-02-28 09:20 | 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-02/28/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/28/2025<br>| Qualifying DTI below maximum allowed - 41.07% vs. 49.99% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 776 vs. minimum FICO of 660 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 3500662 |
| XXXX | 1121429 | XXXX D A | Closed | FCRE1201 | 2025-03-06 13:33 | 2025-03-17 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. fraud guard - Seller-03/07/2025 <br>Open-Missing Third Party Fraud Report Missing Fraud Rep - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. fraud guard - Seller-03/07/2025<br>| Resolved-Received Fraud Report. - Due Diligence Vendor-03/11/2025<br>| LTV is less than guideline maximum - 47.43% LTV vs. max of 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 808 vs. 660 minimum FICO |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3547205 |
| XXXX | 1121429 | XXXX D A | Closed | FCRE1204 | 2025-03-11 13:38 | 2025-03-17 15:28 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received documentation to support Alerts have been cleared - Due Diligence Vendor-03/17/2025 <br>Ready for Review-Document Uploaded. RED ALERTS - Seller-03/14/2025 <br>Counter-Document was not attached. Please re-upload. - Due Diligence Vendor-03/13/2025 <br>Ready for Review-see red alert cleared - Seller-03/12/2025 <br>Open-\*New\* Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. RED ALERTS - Seller-03/14/2025 <br>Ready for Review-see red alert cleared - Seller-03/12/2025<br>| Resolved-Received documentation to support Alerts have been cleared - Due Diligence Vendor-03/17/2025<br>| LTV is less than guideline maximum - 47.43% LTV vs. max of 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 808 vs. 660 minimum FICO |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3583227 |
| XXXX | 1121429 | XXXX D A | Closed | FCRE5782 | 2025-03-06 13:32 | 2025-03-11 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. soft pulll - Seller-03/07/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Rep - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. soft pulll - Seller-03/07/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2025<br>| LTV is less than guideline maximum - 47.43% LTV vs. max of 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 808 vs. 660 minimum FICO |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3547190 |
| XXXX | 1121437 | XXXX D B A | Closed | FCRE5782 | 2025-03-10 12:59 | 2025-03-12 15:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-03/12/2025 <br>Open-Borrower 1 Gap Credit Report is Missing . - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. Soft pull - Seller-03/10/2025 | Ready for Review-Document Uploaded. Soft pull - Seller-03/10/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-03/12/2025<br>| Qualifying DTI below maximum allowed - DTI is 39.08% and max allowed is 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 787 and minimum required is 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3571358 |
| XXXX | 1121437 | XXXX D B A | Closed | FCOM5135 | 2025-03-07 11:33 | 2025-03-07 11:34 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-03/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-03/07/2025<br>| Qualifying DTI below maximum allowed - DTI is 39.08% and max allowed is 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 787 and minimum required is 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3556236 |
| XXXX | 1121435 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1091883 | XXXX C A | Closed | FCRE7375 | 2025-02-28 12:53 | 2025-03-10 15:22 | Resolved | 1 - Information C A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-Received appointment letter. Package contained valid Passport from country of origin and is acceptable. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/07/2025 <br> Open-The borrower's XXXX Passport expired prior to Note Date. Provide updated XXXX Visa. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/07/2025<br>| Resolved-Received appointment letter. Package contained valid Passport from country of origin and is acceptable. - Due Diligence Vendor-03/10/2025<br>| DSCR % greater than 1.20 - DSCR % greater than 1.20. Brw's DSCR % 1.25.<br>LTV is less than guideline maximum - Max LTV for FN is 70%- Brw's LTV 51.013% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3503562 |
| XXXX | 1121427 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 1121466 | XXXX D A | Closed | FCRE5116 | 2025-03-06 09:38 | 2025-03-11 14:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received Payment History. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. please see 2nd page for payment history - Seller-03/10/2025 <br> Counter-Verification of XXXX provided, Please provide the payment history for XXXX. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. please see all REO documents - Seller-03/06/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing for subject property and properties not listed on the 1003. - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. please see 2nd page for payment history - Seller-03/10/2025 <br>Ready for Review-Document Uploaded. please see all REO documents - Seller-03/06/2025<br>| Resolved-Received Payment History. - Due Diligence Vendor-03/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 769 is more than 20 points higher than the guideline min of 700.<br>Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 13 months. <br>Qualifying DTI below maximum allowed - Qualifying DTI 25.14 is lower than the guideline max of 49.99. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3543203 |
| XXXX | 1121466 | XXXX D A | Closed | FCRE7497 | 2025-03-05 18:00 | 2025-03-11 14:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI and Mortgage Statement for the 2nd lien. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. Please see HOI for XXXX and all mortgage statements for property XXXX - Seller-03/10/2025 <br> Counter-REO documentation provided, however we are missing HOI for XXXX and 2nd lien for property XXXX. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. please see all REO documents - Seller-03/06/2025 <br> Open-No documentation or statement provided to address any potential HOA dues for properties XXXX and XXXX. Additional properties appear to be owned that are not listed on the 1003 and documentation is not provided to support the expenses (XXXX). - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. Please see HOI for XXXX and all mortgage statements for property XXXX - Seller-03/10/2025 <br> Ready for Review-Document Uploaded. please see all REO documents - Seller-03/06/2025 | Resolved-Received HOI and Mortgage Statement for the 2nd lien. - Due Diligence Vendor-03/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 769 is more than 20 points higher than the guideline min of 700.<br>Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 13 months. <br>Qualifying DTI below maximum allowed - Qualifying DTI 25.14 is lower than the guideline max of 49.99. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3538475 |
| XXXX | 1121466 | XXXX D A | Closed | FCRE8887 | 2025-03-05 18:01 | 2025-03-10 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received Updated 1003. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. please see post 1003 and all REOs. REO XXXX and XXXX are in page 10 of 1003 - Seller-03/06/2025 <br> Open-Section 3 of the Final 1003 is incomplete and missing REO information for all properties owned. Additional conditions may apply - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. please see post 1003 and all REOs. REO 3d and 3e are in page 10 of 1003 - Seller-03/06/2025<br>| Resolved-Received Updated 1003. - Due Diligence Vendor-03/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 769 is more than 20 points higher than the guideline min of 700.<br>Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 13 months. <br>Qualifying DTI below maximum allowed - Qualifying DTI 25.14 is lower than the guideline max of 49.99. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3538477 |
| XXXX | 1121466 | XXXX D A | Closed | FCRE1152 | 2025-03-06 13:14 | 2025-03-10 14:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax verification. - Due Diligence Vendor-03/10/2025 <br>Ready for Review-Document Uploaded. please see all REO documents - Seller-03/06/2025 <br>Open-Missing Evidence of Property Tax - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. please see all REO documents - Seller-03/06/2025<br>| Resolved-Received tax verification. - Due Diligence Vendor-03/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 769 is more than 20 points higher than the guideline min of 700.<br>Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 13 months. <br>Qualifying DTI below maximum allowed - Qualifying DTI 25.14 is lower than the guideline max of 49.99. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3546948 |
| XXXX | 1121466 | XXXX D A | Closed | FCRE3464 | 2025-03-06 13:19 | 2025-03-10 14:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Received Internet Search. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. please business phone number verification - Seller-03/06/2025 <br> Open-Missing Business phone number verification via XXXX Search, XXXX or internet - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. please business phone number verification - Seller-03/06/2025<br>| Resolved-Received Internet Search. - Due Diligence Vendor-03/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 769 is more than 20 points higher than the guideline min of 700.<br>Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 13 months. <br>Qualifying DTI below maximum allowed - Qualifying DTI 25.14 is lower than the guideline max of 49.99. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3547032 |
| XXXX | 1121474 | XXXX D A | Closed | FCRE6843 | 2025-03-11 12:30 | 2025-03-19 17:15 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received EMD. - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. Hello please see proof of EMD - Seller-03/18/2025 <br>Open-Earnest Money Deposit: the source needs to be verified - as there is no borrower contribution - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. Hello please see proof of EMD - Seller-03/18/2025<br>| Resolved-Received EMD. - Due Diligence Vendor-03/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Fico 780 is higher than the minimum required 660<br>Qualifying DTI below maximum allowed - 32.77% DTI below max allowed of 49.99% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3582294 |
| XXXX | 1121474 | XXXX D A | Closed | FCRE8611 | 2025-03-11 12:21 | 2025-03-17 14:32 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received EA verification. - Due Diligence Vendor-03/17/2025 <br>Ready for Review-Document Uploaded. Hello please see CPA VERIFIED - Seller-03/14/2025 <br>Open-Missing CPA Validation - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. Hello please see CPA VERIFIED - Seller-03/14/2025<br>| Resolved-Received EA verification. - Due Diligence Vendor-03/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Fico 780 is higher than the minimum required 660<br>Qualifying DTI below maximum allowed - 32.77% DTI below max allowed of 49.99% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3582208 |
| XXXX | 1121474 | XXXX D A | Closed | FCRE1157 | 2025-03-11 14:19 | 2025-03-17 14:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received corrected Post CD. - Due Diligence Vendor-03/17/2025 <br> Ready for Review-Document Uploaded. Hello please see post cd to correct the name of the HOI. - Seller-03/13/2025 <br> Open-Missing Hazard Insurance Policy Missing policy with XXXX Security Insurance (per Final CD) - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. Hello please see post cd to correct the name of the HOI. - Seller-03/13/2025<br>| Resolved-Received corrected Post CD. - Due Diligence Vendor-03/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Fico 780 is higher than the minimum required 660<br>Qualifying DTI below maximum allowed - 32.77% DTI below max allowed of 49.99% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3583833 |
| XXXX | 1121474 | XXXX D A | Closed | FCRE5782 | 2025-03-11 12:08 | 2025-03-13 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. Please See Softpull - Seller-03/12/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. Please See Softpull - Seller-03/12/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-03/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Fico 780 is higher than the minimum required 660<br>Qualifying DTI below maximum allowed - 32.77% DTI below max allowed of 49.99% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3582010 |
| XXXX | 1121280 | XXXX D B A | Closed | FCRE5782 | 2025-03-04 12:51 | 2025-03-10 13:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-03/10/2025 <br>Ready for Review-Document Uploaded. Please See Softpull - Seller-03/07/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. Please See Softpull - Seller-03/07/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-03/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 728 vs. minimum FICO of 660<br>Qualifying DTI below maximum allowed - 43.70% vs. max DTI of 49.99% |  | 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 | 3524202 |
| XXXX | 1121280 | XXXX D B A | Closed | FCOM5135 | 2025-03-04 08:43 | 2025-03-04 08:43 | 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-03/04/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 728 vs. minimum FICO of 660<br>Qualifying DTI below maximum allowed - 43.70% vs. max DTI of 49.99% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3520550 |
| XXXX | 1121457 | XXXX C B A | Closed | FCRE1440 | 2025-03-06 15:49 | 2025-03-11 09:03 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Note for the second lien indicates no payments and no interest. - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. The second lien is a mortgage with no monthly payments, so the payment history has not been provided. Please reconsider and clear the condition - Seller-03/11/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing 12 month pay history for 2nd lien (private mortgage) that was paid off at closing. - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. The second lien is a mortgage with no monthly payments, so the payment history has not been provided. Please reconsider and clear the condition - Seller-03/11/2025<br>| Resolved-Note for the second lien indicates no payments and no interest. - Due Diligence Vendor-03/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 740 credit score. Qualifying credit score is 800.<br>Credit history exceeds minimum required - Over 10 years of credit history |  | 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 | 3549347 |
| XXXX | 1121457 | XXXX C B A | Closed | FCOM5135 | 2025-03-05 10:20 | 2025-03-05 10:20 | 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-03/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 740 credit score. Qualifying credit score is 800.<br>Credit history exceeds minimum required - Over 10 years of credit history |  |  | 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 | 3531553 |
| XXXX | 1121460 | XXXX B A | Closed | FCOM5135 | 2025-03-06 19:13 | 2025-03-06 19:13 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 744 vs. minimum 660<br>Months Reserves exceed minimum required - 3.59 available vs. 0 required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3551134 |
| XXXX | 1121478 | XXXX C A | Closed | FCRE8611 | 2025-03-12 12:04 | 2025-03-17 14:34 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received Internet Search. - Due Diligence Vendor-03/17/2025 <br> Ready for Review-Document Uploaded. Please find the attached business phone number verification. - Seller-03/13/2025 <br> Open-Missing business phone number verification via XXXX Search, XXXX.com or internet or CPA statement indicating a business number is not required. - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. Please find the attached business phone number verification. - Seller-03/13/2025<br>| Resolved-Received Internet Search. - Due Diligence Vendor-03/17/2025<br>| Qualifying DTI below maximum allowed - Guidelines allow DTI to 49.99%. Qualifying DTI is 35.82%. <br>Months Reserves exceed minimum required - 115.94 months reserves are higher than the 9 month minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3592476 |
| XXXX | 1121348 | XXXX C B A | Closed | FPRO0011 | 2025-03-11 16:50 | 2025-03-21 16:47 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. Please review the PDI report. - Seller-03/20/2025 <br> Counter-A PDI is required to clear this finding. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Please review the Lender Certification and advise if this condition can be cleared or not. - Seller-03/13/2025 <br> Open-XXXX No commentary noted by appraiser surrounding the FEMA disaster. - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. Please review the PDI report. - Seller-03/20/2025 <br>Ready for Review-Please review the Lender Certification and advise if this condition can be cleared or not. - Seller-03/13/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/21/2025 | Qualifying DTI below maximum allowed - Guidelines allow DTI to 49.99%. Qualifying DTI is 43.55%. <br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 660 credit score. Qualifying credit score is 772. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3585918 |
| XXXX | 1121348 | XXXX C B A | Closed | FCRE1198 | 2025-03-12 06:03 | 2025-03-12 06:12 | 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. Deemed non material less than 1 month short reserves. Asset 2 was expired and removed from audit. B1 is not a first time homebuyer. - Due Diligence Vendor-03/12/2025 <br>Open-Audited Reserves of 3.09 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-03/12/2025 |  | Waived-Originator waiver applied to non material finding with comp factors. Deemed non material less than 1 month short reserves. Asset 2 was expired and removed from audit. B1 is not a first time homebuyer. - Due Diligence Vendor-03/12/2025<br>| Qualifying DTI below maximum allowed - Guidelines allow DTI to 49.99%. Qualifying DTI is 43.55%. <br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 660 credit score. Qualifying credit score is 772. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3588685 |
| XXXX | 1121348 | XXXX C B A | Closed | FCOM5135 | 2025-03-06 21:09 | 2025-03-06 21:09 | 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-03/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/07/2025<br>| Qualifying DTI below maximum allowed - Guidelines allow DTI to 49.99%. Qualifying DTI is 43.55%. <br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 660 credit score. Qualifying credit score is 772. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3551435 |
| XXXX | 1121465 | XXXX C A | Closed | finding-3634 | 2025-03-06 21:54 | 2025-03-14 08:59 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Received COC XXXX. Finding resolved. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. - Seller-03/13/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.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 XXXX (POA Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, 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. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. - Seller-03/13/2025<br>| Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Received COC XXXX. Finding resolved. - Due Diligence Vendor-03/14/2025 | Months Reserves exceed minimum required - Guides require 4 months reserves and the borrower has over 5 months. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 757 is more than 20 points higher than the guideline min of 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3551474 |
| XXXX | 1121473 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1121477 | XXXX C A | Closed | FCRE1159 | 2025-03-13 13:16 | 2025-03-19 15:41 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD. Disbursement date was XXXX - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. Please review the PCCD. - Seller-03/18/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX and Disbursement Date is XXXX - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. Please review the PCCD. - Seller-03/18/2025<br>| Resolved-Received PCCD. Disbursement date was XXXX - Due Diligence Vendor-03/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 743 is more than 20 points higher than the guideline min of 700.<br>Qualifying DTI below maximum allowed - Qualifying DTI 24.03% is lower than the guideline max of 49.99%<br>Months Reserves exceed minimum required - Guides do not require reserves and the borrower has 12 months. <br>LTV is less than guideline maximum - Qualifying LTV 54.52% is lower than the guideline max of 70% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3604925 |
| XXXX | 1121477 | XXXX C A | Closed | FCRE1163 | 2025-03-13 13:16 | 2025-03-19 15:41 | Resolved | 1 - Information C A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Received Initial Flood Cert. - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. Please review the Flood Cert. - Seller-03/18/2025 <br> Open-Flood Certification Date is greater than XXXX - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. Please review the Flood Cert. - Seller-03/18/2025<br>| Resolved-Received Initial Flood Cert. - Due Diligence Vendor-03/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 743 is more than 20 points higher than the guideline min of 700.<br>Qualifying DTI below maximum allowed - Qualifying DTI 24.03% is lower than the guideline max of 49.99%<br>Months Reserves exceed minimum required - Guides do not require reserves and the borrower has 12 months. <br>LTV is less than guideline maximum - Qualifying LTV 54.52% is lower than the guideline max of 70% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3604926 |
| XXXX | 1121499 | XXXX C B A | Closed | FCRE6763 | 2025-03-14 10:40 | 2025-03-14 12:42 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-The WVOE provided is an exact duplicate of XXXX for 1005, it's printed from XXXX. - Due Diligence Vendor-03/14/2025 <br> Open-Income verified through WVOE. However, does not meet guideline as WVOE is an equivalent form and not Form 1005 as stated in the guideline. - Due Diligence Vendor-03/14/2025 |  | Resolved-The WVOE provided is an exact duplicate of FNMA for 1005, it's printed from XXXX. - Due Diligence Vendor-03/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 806 is at least 20 points above minimum for program<br>LTV is less than guideline maximum - LTV 53.5% is less than guideline maximum 80% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3613194 |
| XXXX | 1121499 | XXXX C B A | Closed | FCOM5135 | 2025-03-12 09:19 | 2025-03-12 09:44 | 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-03/12/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 806 is at least 20 points above minimum for program<br>LTV is less than guideline maximum - LTV 53.5% is less than guideline maximum 80% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3589963 |
| XXXX | 1121500 | XXXX C B A | Closed | FCRE1159 | 2025-03-14 16:02 | 2025-03-20 15:57 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD with a disbursement date of XXXX. - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. Please review the PCCD. - Seller-03/19/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX (Disb Date XXXX) - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. Please review the PCCD. - Seller-03/19/2025<br>| Resolved-Received PCCD with a disbursement date of XXXX. - Due Diligence Vendor-03/20/2025 | Verified employment history exceeds guidelines - Verified employment history exceed 24 month minimum required. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 805 is higher than the 660 minimum required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3617775 |
| XXXX | 1121500 | XXXX C B A | Closed | FCOM5135 | 2025-03-13 10:17 | 2025-03-13 10:37 | 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-03/13/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/13/2025<br>| Verified employment history exceeds guidelines - Verified employment history exceed 24 month minimum required. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 805 is higher than the 660 minimum required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3601935 |
| XXXX | 1121479 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1121476 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1121273 | XXXX D A C | Closed | FCRE5783 | 2025-03-14 10:26 | 2025-03-24 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. Please review the Borrower 2 Gap Credit Report. - Seller-03/20/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Missing gap credit report for B2. - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. Please review the Borrower 2 Gap Credit Report. - Seller-03/20/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-03/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 733 qualifying FICO score, 660 minimum required.<br>LTV is less than guideline maximum - 47.57% LTV ratio, 80% maximum allowed. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3612966 |
| XXXX | 1121273 | XXXX D A C | Closed | FPRO0021 | 2025-03-14 11:10 | 2025-03-21 16:54 | Resolved | 1 - Information C A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. Please review the PDI report. - Seller-03/20/2025 <br> Open-XXXX disaster after appraisal without a Individual PDI or 1004D. XXXX; Individual Assistance. Post Disaster inspection Required.<br> - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. Please review the PDI report. - Seller-03/20/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/21/2025 | Qualifying FICO score is at least 20 points above minimum for program - 733 qualifying FICO score, 660 minimum required.<br>LTV is less than guideline maximum - 47.57% LTV ratio, 80% maximum allowed. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3613563 |
| XXXX | 1121442 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1121550 | XXXX D A | Closed | FCRE5782 | 2025-03-20 14:21 | 2025-03-27 15:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report received. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. Hello please see softpull. - Seller-03/26/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Missing Borrower 1 Gap Credit Report - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. Hello please see softpull. - Seller-03/26/2025<br>| Resolved-Borrower 1 Gap Credit Report received. - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 750 is higher than the 660 minimum score required <br>Verified employment history exceeds guidelines - Verified employment history 3+ years exceed minimum required of 24 monthsn |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3660750 |
| XXXX | 1121498 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1121395 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1121508 | XXXX D B A | Closed | FCRE1316 | 2025-03-19 10:29 | 2025-03-25 13:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE. - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. please see VVOE - Seller-03/21/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Per guides, income must be verbally verified within: 120 days prior to the note date (or the date a construction-to-permanent loan is converted to permanent financing) for self-employment income. The loan file is missing documentation to show the borrower's self-employment was verbally verified. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. please see VVOE - Seller-03/21/2025<br>| Resolved-Received VVOE. - Due Diligence Vendor-03/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 783 qualifying FICO score, 660 minimum score required.<br>LTV is less than guideline maximum - 75% LTV ratio, 80% maximum allowed. |  | 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 | 3646209 |
| XXXX | 1121508 | XXXX D B A | Closed | FCRE1158 | 2025-03-19 10:04 | 2025-03-21 16:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received DBA verification. - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. Mortgage Mac is our DBA and it is already reflected on the policy. Could you please waive the condition? - Seller-03/19/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Subject transaction is a refinance; the current HOI policy, which has sufficient hazard coverage for the new loan, requires the "mortgagee" be updated to reflect the new lender. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. XXXX is our DBA and it is already reflected on the policy. Could you please waive the condition? - Seller-03/19/2025 | Resolved-Received DBA verification. - Due Diligence Vendor-03/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 783 qualifying FICO score, 660 minimum score required.<br>LTV is less than guideline maximum - 75% LTV ratio, 80% maximum allowed. |  | 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 | 3645840 |
| XXXX | 1121508 | XXXX D B A | Closed | FCOM5135 | 2025-03-17 18:01 | 2025-03-18 08:39 | 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-03/17/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-03/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 783 qualifying FICO score, 660 minimum score required.<br>LTV is less than guideline maximum - 75% LTV ratio, 80% maximum allowed. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3631222 |
| XXXX | 1121509 | XXXX C A | Closed | FCRE1482 | 2025-03-21 14:53 | 2025-03-28 15:37 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Upon further review, deposit meets the guideline requirements. - Due Diligence Vendor-03/28/2025 <br> Ready for Review-The source is required only if a deposit if cash, ATM or check. <br> These are wired from bank in XXXX. Please review again and waive the condition. - Seller-03/27/2025 <br> Counter-Account activity provided confirming the XXXX was wired. Please provide source of the large deposits of XXXX - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. Already in the file. Please review again. - Seller-03/24/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements Per guides, funds required to close the loan (down payment, closing costs, prepaids) and for reserves must meet requirements. Any cash deposits must be reduced by the amount of deposit, and the remaining funds must be sufficient for the down payment, closing costs and financial reserves. The loan file reflects an escrow receipt and wire transfer on XXXX, for XXXX from one of the borrower's financial accounts. However, the financial account in file, dated 3/3/2025, reflected a balance of only XXXX. Loan file is missing an updated financial statement with a balance (minus any cash deposits) that would support the wire transfer of XXXX. - Due Diligence Vendor-03/21/2025 | Ready for Review-The source is required only if a deposit if cash, ATM or check. <br> These are wired from bank in XXXX. Please review again and waive the condition. - Seller-03/27/2025 <br> Ready for Review-Document Uploaded. Already in the file. Please review again. - Seller-03/24/2025 | Resolved-Upon further review, deposit meets the guideline requirements. - Due Diligence Vendor-03/28/2025<br>| LTV is less than guideline maximum - 55.03% LTV ratio, 80% maximum LTV ratio.<br>Qualifying FICO score is at least 20 points above minimum for program - 750 qualifying FICO score, 660 minimum score required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3671269 |
| XXXX | 1121440 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1121370 | XXXX C A | Closed | finding-3652 | 2025-03-18 17:57 | 2025-03-24 07:28 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received CDXXXX, COC XXXX. Finding resolved. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. - Seller-03/21/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Lender credit decreased from XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. - Seller-03/21/2025<br>| Resolved-Received CD XXXX, COC XXXX. Finding resolved. - Due Diligence Vendor-03/24/2025 | Qualifying DTI below maximum allowed - DTI = 18.99% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 762 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 | 3641772 |
| XXXX | 1121554 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1121535 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1121551 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1121546 | XXXX D B A | Closed | FCRE1440 | 2025-03-26 12:27 | 2025-04-03 09:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Originator exception granted due to borrower living rent free. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-04/03/2025 <br> Counter-Received rent free letter, however a Rental history is required for a First Time Homebuyer. Borrower is not eligible. - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. Hello please see LOE stating borrower is living rent free since XXXX - Seller-03/26/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower is a First Time Home buyer living rent free. First Time home buyers must have a rental history. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Hello please see LOE stating borrower is living rent free since XXXX - Seller-03/26/2025 | Waived--Originator exception granted due to borrower living rent free. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-04/03/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - -8+ times residual income.<br>LTV is less than guideline maximum - -70% LTV and max 75%<br>Qualifying DTI below maximum allowed - o Qualifying DTI 25.89%; max allowable 49.99 (NMSI)(NON-DSCR)%.<br>Months Reserves exceed minimum required - 23 months reserves; 4 months reserves required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 3699904 |
| XXXX | 1121546 | XXXX D B A | Closed | FCRE5782 | 2025-03-25 15:23 | 2025-03-28 15:14 | 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-03/28/2025 <br>Ready for Review-Document Uploaded. Soft pull attached - Seller-03/26/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit report - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Soft pull attached - Seller-03/26/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/28/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - -8+ times residual income.<br>LTV is less than guideline maximum - -70% LTV and max 75%<br>Qualifying DTI below maximum allowed - o Qualifying DTI 25.89%; max allowable 49.99 (NMSI)(NON-DSCR)%.<br>Months Reserves exceed minimum required - 23 months reserves; 4 months reserves required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3692355 |
| XXXX | 1121546 | XXXX D B A | Closed | FCRE1325 | 2025-03-26 12:24 | 2025-03-28 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Tax Preparer Verification. - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. Hello CPA letters and P&L are showing EA license number on pages 58-59, also attached is XXXX license verification search - Seller-03/26/2025 <br> Open-Borrower 1 CPA Letter Missing Missing evidence of the EA license - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Hello CPA letters and P&L are showing EA license number on pages 58-59, also attached is XXXX license verification search - Seller-03/26/2025 | Resolved-Received Tax Preparer Verification. - Due Diligence Vendor-03/28/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - -8+ times residual income.<br>LTV is less than guideline maximum - -70% LTV and max 75%<br>Qualifying DTI below maximum allowed - o Qualifying DTI 25.89%; max allowable 49.99 (NMSI)(NON-DSCR)%.<br>Months Reserves exceed minimum required - 23 months reserves; 4 months reserves required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3699880 |
| XXXX | 1121561 | XXXX C B A | Closed | FCRE5790 | 2025-03-26 12:55 | 2025-03-28 14:46 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. soft pull attached - Seller-03/26/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. soft pull attached - Seller-03/26/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-03/28/2025<br>| Long term residence - Borrower has lived at the primary residence for 37 years. <br>Qualifying DTI below maximum allowed - Qualifying DTI 39.97 is lower than the guideline max of 49.99. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3700342 |
| XXXX | 1121561 | XXXX C B A | Closed | FCOM5135 | 2025-03-25 20:37 | 2025-03-25 20:37 | 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-03/26/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/26/2025<br>| Long term residence - Borrower has lived at the primary residence for 37 years. <br>Qualifying DTI below maximum allowed - Qualifying DTI 39.97 is lower than the guideline max of 49.99. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3694317 |
| XXXX | 1121560 | XXXX D B A | Closed | FCRE7806 | 2025-03-28 15:58 | 2025-04-03 15:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. - Seller-04/02/2025 <br>Counter-Worksheet provided, however it does not state the months reviewed, account number or expense factor. - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. Please find the attached Borrower 1 Bank Statement Summary/Lender Worksheet - Seller-04/01/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025 <br>Ready for Review-Document Uploaded. Please find the attached Borrower 1 Bank Statement Summary/Lender Worksheet - Seller-04/01/2025<br>| Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-04/03/2025<br>| Months Reserves exceed minimum required - Reserves 23.91 months is higher than 4 month minimum <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 714 is higher than 660 program minimum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3723480 |
| XXXX | 1121560 | XXXX D B A | Closed | FCRE8611 | 2025-03-27 22:38 | 2025-04-01 13:57 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received Internet Search. - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. Please find the attached internet search - Seller-03/31/2025 <br>Open-Missing business number internet search - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Please find the attached internet search - Seller-03/31/2025<br>| Resolved-Received Internet Search. - Due Diligence Vendor-04/01/2025<br>| Months Reserves exceed minimum required - Reserves 23.91 months is higher than 4 month minimum <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 714 is higher than 660 program minimum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3715341 |
| XXXX | 1121560 | XXXX D B A | Closed | FCOM5135 | 2025-03-26 09:24 | 2025-03-26 09:24 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/26/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/26/2025<br>| Months Reserves exceed minimum required - Reserves 23.91 months is higher than 4 month minimum <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 714 is higher than 660 program minimum |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3697196 |
| XXXX | 1121565 | XXXX B A | Closed | FCOM5135 | 2025-03-26 09:03 | 2025-03-26 09:59 | 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-03/26/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-03/26/2025<br>| Qualifying DTI below maximum allowed - o Qualifying DTI 28.38%; max allowable 49.99<br>Qualifying FICO score is at least 20 points above minimum for program - 773 FICO; 680 required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3696976 |
| XXXX | 1121562 | XXXX D A | Closed | FPRO1253 | 2025-04-01 19:38 | 2025-07-16 12:17 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Field review provided supporting value. - Due Diligence Vendor-04/02/2025 <br>Open-Additional valuation product has not been provided. The desk review in file had no score. - Due Diligence Vendor-04/01/2025 |  | Resolved-Field review provided supporting value. - Due Diligence Vendor-04/02/2025<br>| LTV is less than guideline maximum - LTV 61.77% is less than the 80% max allowed <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 761 is higher than 660 minim required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3747077 |
| XXXX | 1121576 | XXXX D A | Closed | FCRE5782 | 2025-04-01 22:11 | 2025-04-04 14:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. Soft pull attached - Seller-04/02/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Soft pull attached - Seller-04/02/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-04/04/2025<br>| Months Reserves exceed minimum required - 22 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 747; guidelines require 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3747721 |
| XXXX | 1121576 | XXXX D A | Closed | FCOM5135 | 2025-03-29 13:02 | 2025-04-03 09:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Rec'd Additional Details for Services You Can Shop For showing XXXX Title Company designation for affiliate as N. Title fees in Section B are payable to XXXX. Finding Resolved. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/02/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-03/29/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-04/02/2025<br>| Resolved-Rec'd Additional Details for Services You Can Shop For showing Chicago Title Company designation for affiliate as N. Title fees in Section B are payable to Chicago Title Company. Finding Resolved. - Due Diligence Vendor-04/03/2025<br>| Months Reserves exceed minimum required - 22 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 747; guidelines require 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3725917 |
| XXXX | 1115831 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1115869 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1115860 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1115820 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1115829 | XXXX D A | Closed | FCRE9996 | 2025-04-11 14:55 | 2025-04-25 09:41 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-1008 provided confirming the condo is warrantable. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. Please see attached 1008 showing project was Warrantable. 1008 also shows the Type of review that was completed. - Seller-04/25/2025 <br> Counter-Please provide the UW attestation or documentation that clearly Stated the project review was completed. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Per comments below please clear finding "Underwriter attestation clearly stating whether the project review completed - confirming warrantable or non warrantable. 1008 to review warrantable, type XXXX review" - Seller-04/16/2025 <br> Counter-Underwriter attestation clearly stating whether the project review completed - confirming warrantable or non warrantable. 1008 to review warrantable, type S review - Due Diligence Vendor-04/15/2025 <br> Ready for Review-We respectfully disagree. The 1008 completed by the UW indicates the Condo is a XXXX "S Full Review - Established Project", which stipulates the condo is warrantable. An additional attestation is not required. - Seller-04/14/2025 <br> Open-UW Attestation and/or documentation clearly stating whether the project review completed resulted in condo being determined as warrantable or non-warrantable, is required and not in file. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. Please see attached 1008 showing project was Warrantable. 1008 also shows the Type of review that was completed. - Seller-04/25/2025 <br> Ready for Review-Per comments below please clear finding "Underwriter attestation clearly stating whether the project review completed - confirming warrantable or non warrantable. 1008 to review warrantable, type S review" - Seller-04/16/2025 <br> Ready for Review-We respectfully disagree. The 1008 completed by the UW indicates the Condo is a XXXX "S Full Review - Established Project", which stipulates the condo is warrantable. An additional attestation is not required. - Seller-04/14/2025 | Resolved-1008 provided confirming the condo is warrantable. - Due Diligence Vendor-04/25/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.016, minimum .80<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, borrowers mid score is 793 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3843582 |
| XXXX | 1115829 | XXXX D A | Closed | FCRE1158 | 2025-04-11 14:42 | 2025-04-17 15:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HO6 - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing policy number. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2025<br>| Resolved-Received HO6 - Due Diligence Vendor-04/17/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.016, minimum .80<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, borrowers mid score is 793 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3843385 |
| XXXX | 1115815 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1115799 | XXXX D A | Closed | FCRE7806 | 2025-04-14 09:29 | 2025-04-24 12:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-1008 provided. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. See Attached - Seller-04/24/2025 <br> Counter-Please provide calculation on pdf or 1008 - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Please note that this is an Asset Utilization loan which does not require an income worksheet; Income calculated as follows: One Wealth = (XXXX. We ask that this condition please be cleared - Seller-04/15/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. See Attached - Seller-04/24/2025 <br> Ready for Review-Please note that this is an Asset Utilization loan which does not require an income worksheet; Income calculated as follows: XXXX = (XXXX. We ask that this condition please be cleared - Seller-04/15/2025 | Resolved-1008 provided. - Due Diligence Vendor-04/24/2025<br>| Months Reserves exceed minimum required - 46 mos reserves; 3 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - 800 FICO; 700 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3854009 |
| XXXX | 1115799 | XXXX D A | Closed | FCRE7497 | 2025-04-14 09:35 | 2025-04-16 17:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA validaiton - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Please see attached. - Seller-04/14/2025 <br>Open-Provide the PITI information for property 3d. - Due Diligence Vendor-04/14/2025 | Ready for Review-Please see attached. - Seller-04/14/2025<br>| Resolved-Received PITIA validaiton - Due Diligence Vendor-04/16/2025<br>| Months Reserves exceed minimum required - 46 mos reserves; 3 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - 800 FICO; 700 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3854089 |
| XXXX | 1115801 | XXXX C A | Closed | FCRE1148 | 2025-04-15 09:35 | 2025-05-08 14:51 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final title w/sufficient coverage. - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/07/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide proof of sufficient Title Coverage. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/07/2025<br>| Resolved-Received Final title w/sufficient coverage. - Due Diligence Vendor-05/08/2025<br>| Months Reserves exceed minimum required - Min Reserves req'd 3 mths- Borrower's reserves 8.9 mths<br>Qualifying FICO score is at least 20 points above minimum for program - MIn FICO 660- Borrower's FICO 698 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3865722 |
| XXXX | 1115856 | XXXX D A | Closed | FVAL9739 | 2025-04-14 14:17 | 2025-04-16 17:02 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Updated UCDP provided with updated value. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2025 <br>Open-UCDP and LCA was not run again after the Sales Price change on the Appraisal. ReRun to meet guideline requirements - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2025<br>| Resolved-Updated UCDP provided with updated value. - Due Diligence Vendor-04/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, Borrowers mid score is 717<br>LTV is less than guideline maximum - Max LTV is 90%, borrowers LTV is 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3858151 |
| XXXX | 1115856 | XXXX D A | Closed | FPRO1253 | 2025-04-14 12:26 | 2025-04-16 16:58 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Additional valuation product was provided. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2025 <br>Open-Additional valuation product has not been provided. Missing secondary valuation - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2025<br>| Resolved-Additional valuation product was provided. - Due Diligence Vendor-04/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, Borrowers mid score is 717<br>LTV is less than guideline maximum - Max LTV is 90%, borrowers LTV is 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3856599 |
| XXXX | 1115863 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1115855 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1115870 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1115811 | XXXX C A | Closed | FCRE9488 | 2025-04-14 16:22 | 2025-05-05 13:51 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Updated 1003 provided. - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. Please see corrected 1003 - Seller-05/05/2025 <br>Open-Loan submitted as an investment property, declarations indicate primary residence. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Please see corrected 1003 - Seller-05/05/2025<br>| Resolved-Updated 1003 provided. - Due Diligence Vendor-05/05/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 6.64%<br>Months Reserves exceed minimum required - 3 month reserves required, borrower has 6.87 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3860251 |
| XXXX | 1115811 | XXXX C A | Closed | FCRE1317 | 2025-04-14 14:30 | 2025-05-05 13:50 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Confirmation the business was opened on XXXX provided. - Due Diligence Vendor-05/05/2025 <br> Counter-Please have CPA correct business start date. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. Please see attached Business Search verification supporting the business was started in XXXX. The CPA letter appears to be an error. - Seller-04/15/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months 2 years SE is not verified, CPA confirms business started in XXXX - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Please see attached Business Search verification supporting the business was started in XXXX. The CPA letter appears to be an error. - Seller-04/15/2025 | Resolved-Confirmation the business was opened on XXXX provided. - Due Diligence Vendor-05/05/2025 | Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 6.64%<br>Months Reserves exceed minimum required - 3 month reserves required, borrower has 6.87 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3858379 |
| XXXX | 1115847 | XXXX C B A | Closed | FCRE8126 | 2025-04-15 08:25 | 2025-05-29 08:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Minimum contribution amount not met | Waived-Originator waiver applied to non material finding with compensating factors. waiving 5% min borrower contribution. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Seller-05/28/2025 <br> Open-Per guideline (Section 9.4.2 Gift Funds) overlay Minimum Borrower Contributions: Minimum 5% of the sales price for purchase transaction on owner occupied. Majority of borrowers funds are gifts does not meet 5% contribution. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. waiving 5% min borrower contribution. - Due Diligence Vendor-05/29/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI is 42.85%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 757 | 5+ years Verified employment history exceeds guidelines<br> Qualifying FICO score is at least 20 points above minimum for program<br> Qualifying DTI 5% below maximum allowed | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 3865069 |
| XXXX | 1115862 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 1115864 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1115865 | XXXX D B A | Closed | FCRE5116 | 2025-04-15 16:14 | 2025-04-15 16:17 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Lender approved exception with comp factors) - Due Diligence Vendor-04/24/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Lender Exception-"requesting exception on rent free borrower on investment property" - Due Diligence Vendor-04/15/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Lender approved exception with comp factors) - Due Diligence Vendor-04/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 737<br>Months Reserves exceed minimum required - 9 months minimum reserve requirement, borrower has 50.29 months documented | Seasoned Investor<br> 0x30 mortgage history<br> DTI is 5 points below max |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3872150 |
| XXXX | 1115828 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1115832 | XXXX D A | Closed | FCRE1158 | 2025-04-15 07:52 | 2025-04-30 15:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received Final Policy. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-04/28/2025 <br> Counter-Received liability coverage-please provide HOI reflecting policy number. Premium XXXX, Lloyd's of London page 550 of package. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-The policy number is included in the attachment. Please refer to the CERTIFICATE NUMBER XXXX in the top center of HOI. - Seller-04/21/2025 <br> Counter-Received Commercial Liability - please provide HOI policy reflecting policy number. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Please see attached. - Seller-04/17/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided HOI POLICY NUMBERS 'TBD'. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. see attached - Seller-04/28/2025 <br> Ready for Review-The policy number is included in the attachment. Please refer to the CERTIFICATE NUMBER XXXX in the top center of HOI. - Seller-04/21/2025 <br> Ready for Review-Please see attached. - Seller-04/17/2025 | Resolved-Received Final Policy. - Due Diligence Vendor-04/30/2025<br>| Months Reserves exceed minimum required - 21mos reserves. Per guides, 6 reserves required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.118. Per guides, minimum DSCR 0.75 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3864793 |
| XXXX | 1115817 | XXXX B A | Closed | FCRE1194 | 2025-04-14 23:05 | 2025-07-16 12:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/16/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% LENDER EXCEPTION: Min 660 FICO needed for 75% LTV on XXXX.<br> BORR QUALIFYING MID-SCORE 647. MAX LTV 70% FOR CREDIT SCORE < 660. - Due Diligence Vendor-04/15/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/16/2025<br>| Long term residence - 4+ years in primary residence.<br>Months Reserves exceed minimum required - 15.75mos reserves. Per guides, 6 reserves required. | .3 + months reserves.<br> 4+ years in primary residence.<br> 24+ month credit history exceeds minimum required.<br> 24+ month on time mortgage history exceeds guideline requirement. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3863141 |
| XXXX | 1115823 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1115827 | XXXX C B A | Closed | FCRE0970 | 2025-04-15 08:22 | 2025-07-16 12:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Originator exception granted and in file, waiver applied. Deemed non material due to strong comp factors - Due Diligence Vendor-07/16/2025 <br>Open-Appraisal transfer not allowed over 60 days. - Due Diligence Vendor-04/15/2025 |  | Waived-Originator exception granted and in file, waiver applied. Deemed non material due to strong comp factors - Due Diligence Vendor-07/16/2025<br>| Long term residence - Owned Occupied Primary 5 Years. <br>On time mortgage history exceeds guideline requirement - Mortgage History 0x30x36. | 1. Mortgage History 0x30x36. 2. Owned Occupied Primary 5 Years. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3865051 |
| XXXX | 1115835 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1115842 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1115816 | XXXX B A | Closed | FCRE1492 | 2025-04-16 10:44 | 2025-04-16 10:46 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/16/2025 <br> Open--Exception Approved: Exception to exceed XXXX Max Cash in hand. Non-material, LTV is low. - Due Diligence Vendor-04/16/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 796<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR .75, borrowers DSCR is 1.052 | -4+ years in primary, <br> -24+ months of clean credit, <br> - Qualifying fico is over 20+ points more than min required |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3878178 |
| XXXX | 1115822 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1115825 | XXXX D A C | Closed | FCRE1241 | 2025-04-16 12:01 | 2025-04-18 16:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received Escrow Instructions. (non-arms length - FSBO) - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. Please note the transaction was a FSBO Sale. The executed Escrow Instructions have been uploaded; there was no contract. - Seller-04/17/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. Provide the executed Contract of Sale for the subject. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Please note the transaction was a FSBO Sale. The executed Escrow Instructions have been uploaded; there was no contract. - Seller-04/17/2025<br>| Resolved-Received Escrow Instructions. (non-arms length - FSBO) - Due Diligence Vendor-04/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 721<br>Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 55.28 mths in reserves |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3879626 |
| XXXX | 1115819 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1115834 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1115798 | XXXX D B A | Closed | FCRE1198 | 2025-04-16 15:38 | 2025-04-25 15:06 | 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 compensating factors. Seeking exception to proceed with only 2.7 months in reserves. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. Please see corrected 1003 and 1008 along with the exception allowing to close with less than 3 months reserves - Seller-04/25/2025 <br> Counter-Short reserves-gift received was only XXXX, EMD no validated. Finding remains. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-The loan file had verified borrower assets totaling XXXX as of XXXX, which met the 3 mo. PITIA reserve requirements of XXXX. The Borrower received a gift in the amount of XXXX towards the subject transaction and the total required funds for closing were XXXX. The verified assets were sufficient to meet the required remaining funds for closing and reserves. - Seller-04/17/2025 <br> Open-Audited Reserves of 2.9 month(s) are less than Guideline Required Reserves of 3 month(s) Audited Reserves of 2.9 month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Please see corrected 1003 and 1008 along with the exception allowing to close with less than 3 months reserves - Seller-04/25/2025 <br> Ready for Review-The loan file had verified borrower assets totaling XXXX as of XXXX, which met the 3 mo. PITIA reserve requirements of XXXX. The Borrower received a gift in the amount of XXXX towards the subject transaction and the total required funds for closing were XXXX. The verified assets were sufficient to meet the required remaining funds for closing and reserves. - Seller-04/17/2025 | Waived-Originator waiver applied to non material finding with compensating factors. Seeking exception to proceed with only 2.7 months in reserves. - Due Diligence Vendor-04/25/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI is 33%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrowers' FICO 705 | 4+ years in primary residence<br> residual income<br> 705 fico | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3882900 |
| XXXX | 1115798 | XXXX D B A | Closed | FCRE1317 | 2025-04-16 15:18 | 2025-04-21 14:11 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Received tax preparer letter confirming years of ownership and percentage. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. According to the CPA letter and the attached documents, the business was started XXXX. An exception was not required. - Seller-04/17/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Missing 2 year employment history on 1003 - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. According to the CPA letter and the attached documents, the business was started XXXX. An exception was not required. - Seller-04/17/2025 | Resolved-Received tax preparer letter confirming years of ownership and percentage. - Due Diligence Vendor-04/21/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI is 33%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrowers' FICO 705 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3882553 |
| XXXX | 1115798 | XXXX D B A | Closed | FCRE1316 | 2025-04-16 15:18 | 2025-04-21 14:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received tax preparer letter confirming ownership. - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/17/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide the CPA/ CTEC Letter confirming the borrower's self-employment - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/17/2025<br>| Resolved-Received tax preparer letter confirming ownership. - Due Diligence Vendor-04/21/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI is 33%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrowers' FICO 705 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3882552 |
| XXXX | 1115798 | XXXX D B A | Closed | FCRE6696 | 2025-04-16 16:59 | 2025-04-21 14:08 | Resolved | 1 - Information C A | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Resolved-Received tax preparer confirmation of 24 months employment. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. According to the CPA letter and the attached documents, the business was started XXXX. An exception was not required. - Seller-04/17/2025 <br> Open-Per business documents provided, business was started on XXXX. Oldest bank statement for business is from XXXX. Missing a 2 year work history/self-employment history. No exception found - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. According to the CPA letter and the attached documents, the business was started XXXX. An exception was not required. - Seller-04/17/2025 | Resolved-Received tax preparer confirmation of 24 months employment. - Due Diligence Vendor-04/21/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI is 33%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrowers' FICO 705 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3883789 |
| XXXX | 1115853 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1115854 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1115840 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1120063 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1115800 | XXXX C B A | Closed | FCRE0095 | 2025-04-16 18:58 | 2025-04-21 14:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Originator provided a waiver for < 12 month look back, applied to non material finding with reviewed comp factors - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. Please see attached approved exception. - Seller-04/17/2025 <br>Open-Min short term rental income lookback period is 12 mo's. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Please see attached approved exception. - Seller-04/17/2025<br>| Waived-Originator provided a waiver for < 12 month look back, applied to non material finding with reviewed comp factors - Due Diligence Vendor-04/21/2025<br>| Months Reserves exceed minimum required - Reserves are 103 mo's vs program min required of 12 mo's. <br>LTV is less than guideline maximum - LTV is 67% vs program max allowed of 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 3884832 |
| XXXX | 1115800 | XXXX C B A | Closed | FCRE1498 | 2025-04-16 18:48 | 2025-04-17 08:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Lender approved exception with comp factors) - Due Diligence Vendor-04/24/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Lender Exception: First Time Investor is a borrower/guarantor not meeting the Experienced Investor definition. Borrower/guarantor must currently own a primary residence for at least one (1) year. Verified most recent 12 month mortgage history. Free and clear properties are automatically given consideration. Seeking an exception to allow XXXX. - Due Diligence Vendor-04/16/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Lender approved exception with comp factors) - Due Diligence Vendor-04/24/2025<br>| Months Reserves exceed minimum required - Reserves are 103 mo's vs program min required of 12 mo's. <br>LTV is less than guideline maximum - LTV is 67% vs program max allowed of 75% | LTV is > 5% below max allowed<br> 0x30 rental history past 24 mo's. <br> 4 years in current home. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3884774 |
| XXXX | 1115866 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 1115809 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1115857 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1115807 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1115821 | XXXX C B A | Closed | FCRE0082 | 2025-04-18 16:16 | 2025-04-22 15:54 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received warranty deed. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Please see attached. - Seller-04/18/2025 <br> Open-Vested Owner Signature Requirement Not met. Missing executed Warranty Deed from XXXX - Due Diligence Vendor-04/18/2025 | Ready for Review-Please see attached. - Seller-04/18/2025<br>| Resolved-Received warranty deed. - Due Diligence Vendor-04/22/2025<br>| LTV is less than guideline maximum - Max LTV is 60% per exception, borrowers LTV is 34.37%<br>Months Reserves exceed minimum required - 0.00 minimum reserves, borrower has 109.63 documented |  | 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 | 3905850 |
| XXXX | 1115821 | XXXX C B A | Closed | FCRE1197 | 2025-04-18 15:31 | 2025-04-22 15:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator provided a waiver for no FICO applied to non material finding with comp factors - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Please see attached. - Seller-04/18/2025 <br> Open-Audited FICO of is less than Guideline FICO of 640 EXCEPTION in file to use no FICO. Client has no FICO....approved - subject to <60%ltv, full doc only, 12 month on time payment history<br> with state farm. Missing payment history with State Farm - Due Diligence Vendor-04/18/2025 | Ready for Review-Please see attached. - Seller-04/18/2025<br>| Waived-Originator provided a waiver for no FICO applied to non material finding with comp factors - Due Diligence Vendor-04/22/2025<br>| LTV is less than guideline maximum - Max LTV is 60% per exception, borrowers LTV is 34.37%<br>Months Reserves exceed minimum required - 0.00 minimum reserves, borrower has 109.63 documented | LTV less than 5% below minimum<br> 4+ years in Primary | 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 | Yes | 3905279 |
| XXXX | 1115821 | XXXX C B A | Closed | FCRE5790 | 2025-04-18 15:15 | 2025-04-22 15:46 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Upon further review, the loan file contained all required credit gap report documentation. - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. The credit re-fresh was 10 days old, hence not expired. - Seller-04/18/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Lender to upload Drive report w/in 10 days of Note date - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. Please see attached. The credit re-fresh was 10 days old, hence not expired. - Seller-04/18/2025<br>| Resolved-Upon further review, the loan file contained all required credit gap report documentation. - Due Diligence Vendor-04/22/2025<br>| LTV is less than guideline maximum - Max LTV is 60% per exception, borrowers LTV is 34.37%<br>Months Reserves exceed minimum required - 0.00 minimum reserves, borrower has 109.63 documented |  | 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 | 3905052 |
| XXXX | 1115821 | XXXX C B A | Closed | FCRE1204 | 2025-04-18 15:17 | 2025-04-22 15:43 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received updated fraud alert reflecting high and medium alerts resolved. - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Please see attached updated DV report. - Seller-04/18/2025 <br>Open-Fraud Report Shows Uncleared Alerts Lender to clear all high and medium alerts - Due Diligence Vendor-04/18/2025 | Ready for Review-Please see attached updated DV report. - Seller-04/18/2025<br>| Resolved-Received updated fraud alert reflecting high and medium alerts resolved. - Due Diligence Vendor-04/22/2025<br>| LTV is less than guideline maximum - Max LTV is 60% per exception, borrowers LTV is 34.37%<br>Months Reserves exceed minimum required - 0.00 minimum reserves, borrower has 109.63 documented |  | 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 | 3905073 |
| XXXX | 1115845 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1115843 | XXXX D A | Closed | FCOM1350 | 2025-04-19 11:00 | 2025-04-29 16:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved-Received signed Loan Agreement - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. See attached - Seller-04/28/2025 <br>Counter-Unable to open upload-please upload again. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. See attached - Seller-04/22/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Partial'. Missing signature page. - Due Diligence Vendor-04/19/2025 | Ready for Review-Document Uploaded. See attached - Seller-04/28/2025 <br>Ready for Review-Document Uploaded. See attached - Seller-04/22/2025<br>| Resolved-Received signed Loan Agreement - Due Diligence Vendor-04/29/2025<br>| Months Reserves exceed minimum required - Reserves are 16 mo's vs program min of 6 mo's. <br>LTV is less than guideline maximum - 73.45% LTV; max 75% LTV |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3908617 |
| XXXX | 1115804 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1115871 | XXXX C B A | Closed | FCRE1348 | 2025-04-23 13:16 | 2025-04-23 13:39 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to CPA stating B2 has 7 years prior experience in same line of work. - Due Diligence Vendor-04/23/2025 <br>Open-Borrower 2 Total Years Employment Verified is Less Than 24 Months 11 months self employed with 11 bank statements used to qualify. Does not meet requirements of 12. - Due Diligence Vendor-04/23/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to CPA stating B2 has XXXX years prior experience in same line of work. - Due Diligence Vendor-04/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 803<br>Months Reserves exceed minimum required - 6 months reserves required, borrowers have 35.43 documented | 41 months reserves<br> 63 point higher than min credit score |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 3940331 |
| XXXX | 1115871 | XXXX C B A | Closed | FCRE8611 | 2025-04-23 13:13 | 2025-04-23 13:38 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Originator waiver applied deemed non material due to no bonus income used by audit, W2 and pay stub support income. WVOE not required. - Due Diligence Vendor-04/23/2025 <br>Open-WVOE for B1 is not fully completed, missing applicants date of employment, Annual Salary(income reported on WVOE does not match W2's provided - Due Diligence Vendor-04/23/2025 |  | Waived-Originator waiver applied deemed non material due to no bonus income used by audit, W2 and pay stub support income. WVOE not required. - Due Diligence Vendor-04/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 803<br>Months Reserves exceed minimum required - 6 months reserves required, borrowers have 35.43 documented |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3940289 |
| XXXX | 1115871 | XXXX C B A | Closed | finding-3634 | 2025-04-17 16:22 | 2025-04-23 13:37 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------ Zero (0%) tolerance fees increased by XXXX Disaster Inspection Fee (valid COC in file)<br> Zero (0%) tolerance fees increased by XXXX (Credit Report Fee) without a valid COC in file. Lender credit of XXXX on final CD. Finding resolved<br> - Due Diligence Vendor-04/23/2025 <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 XXXX.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 XXXX Disaster Inspection Fee (valid COC in file)<br> Zero (0%) tolerance fees increased by XXXX (Credit Report Fee) without a valid COC in file. Lender credit of XXXX on final CD. Finding resolved - Due Diligence Vendor-04/17/2025 |  | Resolved------ Zero (0%) tolerance fees increased by XXXX Disaster Inspection Fee (valid COC in file)<br> Zero (0%) tolerance fees increased by XXXX (Credit Report Fee) without a valid COC in file. Lender credit of XXXX on final CD. Finding resolved<br> - Due Diligence Vendor-04/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 803<br>Months Reserves exceed minimum required - 6 months reserves required, borrowers have 35.43 documented |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3894833 |
| XXXX | 1115814 | XXXX D A | Closed | FCRE8257 | 2025-04-22 21:09 | 2025-04-28 14:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Prepayment Rider-Credit | Resolved-Upon further review PPP on the Note, no additional documentation required. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-In this case the GoDocs Mortgage will not have terms or a rider for PPP but the Note reflects the terms of the PPP. Please refer to Page 1 Section A & Page 4 Section J6 - Seller-04/25/2025 <br> Counter-The Note and the Mortgage do not disclose the terms of PPP. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Subject is a XXXX, XXXX vesting loan. There is no PPP Rider, the language is built into the Note and Deed. - Seller-04/23/2025 <br> Open-Missing Prepayment Rider to Promissory Note and/or Mortgage Prepayment Rider - Due Diligence Vendor-04/23/2025 | Ready for Review-In this case the XXXX Mortgage will not have terms or a rider for PPP but the Note reflects the terms of the PPP. Please refer to Page 1 Section A & Page 4 Section J6 - Seller-04/25/2025 <br> Ready for Review-Subject is a DSCR, LLC vesting loan. There is no PPP Rider, the language is built into the Note and Deed. - Seller-04/23/2025 | Resolved-Upon further review PPP on the Note, no additional documentation required. - Due Diligence Vendor-04/28/2025<br>| Months Reserves exceed minimum required - 276.21mos reserves. Per guides, 6 reserves required.<br>DSCR % greater than 1.20 - DSCR 1.531 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3932978 |
| XXXX | 1115836 | XXXX D B A | Closed | FCRE8700 | 2025-04-25 08:44 | 2025-05-06 14:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Received EIN - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/25/2025 <br>Open-Missing EIN # - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/25/2025<br>| Resolved-Received EIN - Due Diligence Vendor-04/29/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.014 and 0% is required<br>Months Reserves exceed minimum required - Min 6 mths reserves required- Borrower has 25.14mths |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3961374 |
| XXXX | 1115836 | XXXX D B A | Closed | FCRE8701 | 2025-04-24 17:26 | 2025-05-06 14:58 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Certificate of Authorization - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/05/2025 <br>Counter-Operating agreement provided. Please provide Certificate of Authorization for the person executing all documents on behalf of the Entity and LLC Borrowing Certificate required when all owners/members are not on the loan. - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/30/2025 <br>Counter-Document was not attached. - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Please see attached. - Seller-04/25/2025 <br>Open-The Business Entity Formation Document is Missing Provide the LLC docs. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/30/2025 <br>Ready for Review-Please see attached. - Seller-04/25/2025<br>| Resolved-Received Certificate of Authorization - Due Diligence Vendor-05/06/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.014 and 0% is required<br>Months Reserves exceed minimum required - Min 6 mths reserves required- Borrower has 25.14mths |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3957064 |
| XXXX | 1115836 | XXXX D B A | Closed | FCRE0095 | 2025-04-25 08:47 | 2025-04-29 16:20 | Resolved | 1 - Information C A | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Resolved-Received XXXX - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/28/2025 <br> Open-Missing XXXX docs to support income used on 1007. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/28/2025<br>| Resolved-Received XXXX - Due Diligence Vendor-04/29/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.014 and 0% is required<br>Months Reserves exceed minimum required - Min 6 mths reserves required- Borrower has 25.14mths |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3961407 |
| XXXX | 1115836 | XXXX D B A | Closed | FCRE6843 | 2025-04-24 18:51 | 2025-04-29 16:14 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received conversion for all foreign funds. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/25/2025 <br> Open-Provide asset conversions assets and the XXXX account on 1003. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/25/2025<br>| Resolved-Received conversion for all foreign funds. - Due Diligence Vendor-04/29/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.014 and 0% is required<br>Months Reserves exceed minimum required - Min 6 mths reserves required- Borrower has 25.14mths |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3957874 |
| XXXX | 1115836 | XXXX D B A | Closed | FCRE1180 | 2025-04-24 18:13 | 2025-04-29 16:11 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/25/2025 <br>Open-HO-6 Insurance Policy is Missing Provide HO-6 Policy or proof borrower is on the Master Policy. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/25/2025<br>| Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-04/29/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.014 and 0% is required<br>Months Reserves exceed minimum required - Min 6 mths reserves required- Borrower has 25.14mths |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3957585 |
| XXXX | 1115836 | XXXX D B A | Closed | FCRE8201 | 2025-04-25 08:53 | 2025-04-25 08:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Valid Visa not provided. Originator exception provided and in file. Waiver applied with comp factors. Exception deemed non-material due to alternative docs provided to show under Visa Waiver program. - Due Diligence Vendor-04/25/2025 |  | Waived-Valid Visa not provided. Originator exception provided and in file. Waiver applied with comp factors. Exception deemed non-material due to alternative docs provided to show under Visa Waiver program. - Due Diligence Vendor-04/25/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.014 and 0% is required<br>Months Reserves exceed minimum required - Min 6 mths reserves required- Borrower has 25.14mths | DSCR > 1.20 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3961490 |
| XXXX | 1115803 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1115850 | XXXX C A | Closed | finding-47 | 2025-04-23 09:30 | 2025-05-15 14:25 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Rec'd PCCD issued XXXX. Finding resolved. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD - Seller-05/15/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. Please see attached PCCD - Seller-05/15/2025<br>| Resolved-Rec'd PCCD issued XXXX. Finding resolved. - Due Diligence Vendor-05/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 689<br>Months Reserves exceed minimum required - Min reserves required 6 mths- Borrower's reserves 67 mths |  | 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 | 3936516 |
| XXXX | 1115830 | XXXX C B A | Closed | FCRE1194 | 2025-04-28 08:49 | 2025-04-28 15:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-04/28/2025 <br> Open-Audited LTV of 85% exceeds Guideline LTV of 80% Exception in file for loan amount of XXXX at 85% LTV - Due Diligence Vendor-04/28/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-04/28/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 793 | 0x30 housing<br> Fico is over 20 points higher than min required<br> DTI is over 5% below max allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 3977500 |
| XXXX | 1120105 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1120103 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1120106 | XXXX C A | Closed | FCRE1148 | 2025-05-13 07:27 | 2025-05-16 14:48 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Revised Schedule A. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-05/14/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide Title Supplement reflect title coverage that covers loan amount of XXXX - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/14/2025<br>| Resolved-Received Revised Schedule A. - Due Diligence Vendor-05/16/2025<br>| LTV is less than guideline maximum - Max LTV is 75%, borrowers LTV is 57.14%<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 640 credit score. Qualifying credit score is 723. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4124222 |
| XXXX | 1120099 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1120053 | XXXX D B A | Closed | FCRE1728 | 2025-05-13 09:48 | 2025-05-13 15:20 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-05/13/2025 <br> Open-EXCEPTION REQUEST TO USE 20% OF 1007 AMOUNT OF XXXX APPROVED. - Due Diligence Vendor-05/13/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-05/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 686 FICO; 640 required<br>Long term residence - Borrower has been in primary residence for 40 years | ltv 5% below maximum<br> 4+ years in home |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4125746 |
| XXXX | 1120127 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1120172 | XXXX C B A | Closed | FCRE1437 | 2025-05-14 10:21 | 2025-05-14 10:31 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Originator exception granted to allow change in bank statement, Non-material waiver applied with comp factors. non-material due to long term self-employment. - Due Diligence Vendor-05/14/2025 <br>Open-Income and Employment Do Not Meet Guidelines Guideline requires 12 months consecutive bank statements for income calculations - Due Diligence Vendor-05/14/2025 |  | Waived-Originator exception granted to allow change in bank statement, Non-material waiver applied with comp factors. non-material due to long term self-employment. - Due Diligence Vendor-05/14/2025<br>| Months Reserves exceed minimum required - 6 month minimum reserves required, borrower has 7.05<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrower DTI is 44.66 | 24+ month credit history 0x30<br> 5+ years of employment history for borrower |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4137962 |
| XXXX | 1120048 | XXXX C B A | Closed | FCRE7569 | 2025-05-14 09:27 | 2025-05-14 10:38 | Waived | 2 - Non-Material C B | Credit | Debt | Mortgage history for primary residence less than 12 months | Waived-First Time Investor- must own their primary residence for 1 year. Borrower lives rent free. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors and loan is non ATR. - Due Diligence Vendor-05/14/2025 |  | Waived-First Time Investor- must own their primary residence for 1 year. Borrower lives rent free. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors and loan is non ATR. - Due Diligence Vendor-05/14/2025<br>| DSCR % greater than 1.20 - DSCR% greater than 1.20--- Borrower's DSCR is 1.628%<br>LTV is less than guideline maximum - Max LTV 75 vs Borrower's LTV 32.468% | LTV 33% lower than max allowed of 75%<br> DSCR ratio .25 higher than minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4137126 |
| XXXX | 1120092 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1120054 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1120139 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1120157 | XXXX C A | Closed | FCRE1510 | 2025-05-12 14:00 | 2025-05-19 15:40 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/15/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A, Legal Description attached to deed of trust. - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/15/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/19/2025<br>| Months Reserves exceed minimum required - Verified assets of 37.12 months exceeds the minimum required of 6 months<br>Qualifying DTI below maximum allowed - DTI of 22.98% is less than the maximum allowed per guidelines of 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4117356 |
| XXXX | 1120066 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1120086 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1120058 | XXXX C B A | Closed | FCRE1441 | 2025-05-16 10:49 | 2025-06-06 10:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Originator waiver applied to non material finding with compensating factors. Exception to allow an open collections an charge off reported within 24<br> months to remain unpaid as this is the same account that went from collection to charge off - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements B2 has 1 collection reporting as of XXXX XXXX and 1 charge of reporting as of XXXX (both under 2 years). Per guidelines Collections and charge-offs < 24 months old with a maximum cumulative balance of XXXX do not need to be paid. Collections and charge-offs on B2 credit exceed guideline threshold. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Exception to allow an open collections an charge off reported within 24<br> months to remain unpaid as this is the same account that went from collection to charge off - Due Diligence Vendor-06/06/2025<br>| LTV is less than guideline maximum - Lender max LTV 65%, subject LTV 56.76%.<br>Months Reserves exceed minimum required - Guidelines require 0 months of reserves. Qualifying reserves are 12 months. | 12 months of reserves<br> 56.76% LTV | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4163377 |
| XXXX | 1120132 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1120073 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1120065 | XXXX D A | Closed | FCRE7497 | 2025-05-20 17:15 | 2025-06-06 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-XXXX Lexington is the borrower's primary and is a 2 family. The docs have been provided. - Due Diligence Vendor-06/06/2025 <br> Open-Provide docs to verify whether primary home has any liens and docs to verify escrows. Final 1003 input shows a XXXX auto loan input as the 1st mortgage lien. There are no docs provided to verify whether primary home is free and clear and what escrows are. - Due Diligence Vendor-05/20/2025 |  | Resolved-XXXX is the borrower's primary and is a 2 family. The docs have been provided. - Due Diligence Vendor-06/06/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 35.83%.<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 241.77m. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4197804 |
| XXXX | 1120067 | XXXX C B A | Closed | FCRE1198 | 2025-05-16 12:28 | 2025-06-06 10:52 | 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 compensating factors. Exception to allow 11.4 months reserves in lieu of 12. - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/06/2025 <br>Open-Audited Reserves of 11.48 month(s) are less than Guideline Required Reserves of 12 month(s) Verified assets do not cover the minimum requirement for reserves of 12 months. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Exception to allow 11.4 months reserves in lieu of 12. - Due Diligence Vendor-06/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 712 is higher than the minimum FICO required of 680<br>Qualifying DTI below maximum allowed - DTI of 22.79% is less than the maximum allowed per guidelines of 50% | Qualifying DTI 5% below maximum allowed<br> Qualifying FICO score is at least 20 points above minimum for program | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4165036 |
| XXXX | 1120067 | XXXX C B A | Closed | FCRE8126 | 2025-05-16 13:59 | 2025-05-16 14:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Minimum contribution amount not met | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-05/16/2025 <br>Open-EXCEPTION to allow the borrower to only show they have 5% contribution and not require those funds to be used for closing. 100%<br> gift funds for closing and down payment<br> - Due Diligence Vendor-05/16/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-05/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 712 is higher than the minimum FICO required of 680<br>Qualifying DTI below maximum allowed - DTI of 22.79% is less than the maximum allowed per guidelines of 50% | -DTI more than 5% below maximum<br> - Residual income |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4166440 |
| XXXX | 1120101 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1120120 | XXXX C B A | Closed | FCRE1498 | 2025-05-16 16:20 | 2025-05-16 17:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Originator exception granted to allow first time investor, Non-material waiver applied with comp factors. non-material due to B1 living in primary with NBS spouse who owns primary since XXXX, credit profile is over 20 years old with 0 lates on all tradelines, B1 has additional REO owned for 8 months. - Due Diligence Vendor-05/16/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Lender exception for first time Investor. B1 rental experience for REO's is less than 1 year. Additional REO owned for 8 months. <br> - Due Diligence Vendor-05/16/2025 |  | Waived-Originator exception granted to allow first time investor, Non-material waiver applied with comp factors. non-material due to B1 living in primary with NBS spouse who owns primary since XXXX, credit profile is over 20 years old with 0 lates on all tradelines, B1 has additional REO owned for 8 months. - Due Diligence Vendor-05/16/2025 | Months Reserves exceed minimum required - Reserves = 23 months – Required Reserves = 6 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 700 credit score. Qualifying credit score is 725. | FICO score is at least 20 points above the minimum<br> 24+ month credit history exceeds minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4168780 |
| XXXX | 1120104 | XXXX C A | Closed | FCRE1440 | 2025-05-19 09:16 | 2025-05-19 10:16 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, primary recently purchased by another party and has not been there even a month. Prior home is subject converted to investment, was owned free and clear. - Due Diligence Vendor-05/19/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter for primary residence (1 month) and mortgage history or rent free letter for former residence (12 years). 12 month history required to be documented. - Due Diligence Vendor-05/19/2025 |  | Resolved-Upon further review, primary recently purchased by another party and has not been there even a month. Prior home is subject converted to investment, was owned free and clear. - Due Diligence Vendor-05/19/2025<br>| LTV is less than guideline maximum - LTV 32.47% max LTV 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 711; minimum score 640. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4176678 |
| XXXX | 1120116 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1120175 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1120121 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1120095 | XXXX C A | Closed | FCRE2244 | 2025-05-20 08:02 | 2025-06-20 13:49 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, the variance is not material. - Due Diligence Vendor-06/20/2025 <br>Ready for Review-Document Uploaded. Please see attached. Subject condo property is a non-warrantable condo. - Seller-06/18/2025 <br>Open-Property Issues are identified for the property Appraisal answers regarding the Condo to match the Condo Questionnaire. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. Please see attached. Subject condo property is a non-warrantable condo. - Seller-06/18/2025<br>| Resolved-Upon further review, the variance is not material. - Due Diligence Vendor-06/20/2025<br>| Months Reserves exceed minimum required - Min reserves required 0 mths- Borrower's reserves 88.07 mths<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 738 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4189052 |
| XXXX | 1120095 | XXXX C A | Closed | FCRE0108 | 2025-05-20 07:44 | 2025-05-22 16:16 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Upon further review, the loan file contained all required condo liability coverage documentation. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-We respectfully note that per XXXX Selling Guided and DSCR guidelines, section 8.11.4 Condominium Insurance Requirements: Fidelity or Employee Dishonestly Insurance is for condominium projects consisting of more than XXXX units. The subject project is XXXX units. - Seller-05/20/2025 <br> Open-Fidelity Coverage not met. Provide proof of acceptable Fidelity Coverage. - Due Diligence Vendor-05/20/2025 | Ready for Review-We respectfully note that per XXXX Selling Guided and DSCR guidelines, section 8.11.4 Condominium Insurance Requirements: Fidelity or Employee Dishonestly Insurance is for condominium projects consisting of more than XXXX units. The subject project is XXXX units. - Seller-05/20/2025 | Resolved-Upon further review, the loan file contained all required condo liability coverage documentation. - Due Diligence Vendor-05/22/2025<br>| Months Reserves exceed minimum required - Min reserves required 0 mths- Borrower's reserves 88.07 mths<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 738 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4188908 |
| XXXX | 1120158 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1120191 | XXXX C A | Closed | FCRE1510 | 2025-05-15 14:07 | 2025-06-09 14:15 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/06/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description attached to deed of trust. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/06/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-06/09/2025<br>| DSCR % greater than 1.20 - Calculated DSCR of 1.672<br>Months Reserves exceed minimum required - Verified assets of 10.48 months exceeds the minimum required of 6 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4153936 |
| XXXX | 1120082 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 1120069 | XXXX C A | Closed | FCRE0116 | 2025-05-21 08:35 | 2025-05-27 15:56 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Received confirmation of condo warranty type. - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/23/2025 <br>Open-UW Attestation missing for Condo warrantability - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/23/2025<br>| Resolved-Received confirmation of condo warranty type. - Due Diligence Vendor-05/27/2025<br>| DSCR % greater than 1.20 - DSCR 3.812%<br>Months Reserves exceed minimum required - 3 month minimum reserve requirement, borrower has 21.95 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4201945 |
| XXXX | 1120110 | XXXX B A | Closed | FCRE8201 | 2025-05-21 09:02 | 2025-05-21 09:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/21/2025 <br>Open-Lender Exception Granted: To allow rent free with cousin vs spouse (as required per lender guides), due to borrower is single. Non-Material, Borrower meets FTHB Investment DSCR Guidelines. - Due Diligence Vendor-05/21/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 754.<br>Months Reserves exceed minimum required - Lender minimum reserves 0m PITIA, borrower reserves 26.76m. | 1. FICO 754, > 20 pts above minimum.<br> 2. Reserves > 3 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4202210 |
| XXXX | 1120195 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1120162 | XXXX D A | Closed | FCRE1467 | 2025-05-21 10:24 | 2025-06-20 13:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 1 Missing | Resolved-Received Gift Letter. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. Please see attached. Gift of XXXX is a gift of equity. - Seller-06/18/2025 <br> Counter-Please provide a rent free letter stating repayment is not required. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Please note that the Gift of Equity is referenced on the Purchase Contract and there is a LOE explaining the relationship between the Buyer and seller. We ask that this condition be cleared. - Seller-06/06/2025 <br> Open-Asset 1 Missing Provide a Gift Letter for the Gift of Equity given. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. Please see attached. Gift of XXXX is a gift of equity. - Seller-06/18/2025 <br> Ready for Review-Document Uploaded. Please note that the Gift of Equity is referenced on the Purchase Contract and there is a LOE explaining the relationship between the Buyer and seller. We ask that this condition be cleared. - Seller-06/06/2025 | Resolved-Received Gift Letter. - Due Diligence Vendor-06/20/2025<br>| Long term residence - Borrower has rented at current residence for 5+ years.<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 39.5% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4203294 |
| XXXX | 1120142 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1120173 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1120046 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1120057 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 1120112 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1120052 | XXXX D A | Closed | FCRE6019 | 2025-05-20 11:37 | 2025-05-30 08:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-As per new guidance from the Lender, XXXX is no longer required - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Please waive the finding as the file contains the appropriate documents as per the XXXX ITIN program requirements prescribed in section 4.1 of the XXXX DSCR guidelines. Proof of citizenship is documented by the IRS ITIN letter and state-issued photo ID. Additional proof of U.S. citizenship is not required. Thank you. - Seller-05/29/2025 <br> Counter-Documentation in the loan file is insufficient. Unable to very expiration dates, country of origin...etc. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-The uploaded loan file included the borrower's photo ID and ITIN on pages 517 & 547. - Seller-05/22/2025 <br> Open-Borrower Citizenship Documentation Is Missing Provide evidence of residency status by providing applicable USCIS documentation (Passport, - Due Diligence Vendor-05/22/2025 | Ready for Review-Please waive the finding as the file contains the appropriate documents as per the XXXX ITIN program requirements prescribed in section 4.1 of the XXXX DSCR guidelines. Proof of citizenship is documented by the IRS ITIN letter and state-issued photo ID. Additional proof of U.S. citizenship is not required. Thank you. - Seller-05/29/2025 <br> Ready for Review-The uploaded loan file included the borrower's photo ID and ITIN on pages 517 & 547. - Seller-05/22/2025 | Resolved-As per new guidance from the Lender, USCIS is no longer required - Due Diligence Vendor-05/30/2025<br>| Months Reserves exceed minimum required - 0 mths reserves required- Borrower's reserves 101.43 mths <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 35% |  |  | 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 | 4192359 |
| XXXX | 1120163 | XXXX C A | Closed | FCRE0969 | 2025-05-22 12:57 | 2025-05-27 15:32 | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-Upon further review, subject is in XXXX and closed in the Name of a LLC. PPP is allowed. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-We respectfully disagree. According to the administrative law, no interest rate restriction is placed upon loans subject to the XXXX. - Seller-05/22/2025 <br> Open-Prepayment allowed on Fixed Rate when closing in LLC or as individual, permitted if interest rate is equal to or less than 6%. This loan does not meet the State Requirement for Prepayment Penalty - Due Diligence Vendor-05/22/2025 | Ready for Review-We respectfully disagree. According to the administrative law, no interest rate restriction is placed upon loans subject to the XXXX Residential Mortgage Lending Act. - Seller-05/22/2025 | Resolved-Upon further review, subject is in XXXX and closed in the Name of a LLC. PPP is allowed. - Due Diligence Vendor-05/27/2025 | Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower has 109.10 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 770 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4216742 |
| XXXX | 1120197 | XXXX C A | Closed | FCRE6696 | 2025-05-22 15:05 | 2025-05-27 15:55 | Resolved | 1 - Information C A | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Resolved-Received Documentation to support 2+ years self employment. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. We kindly disagree, please see attached document, pulled from the state website, which confirms the borrower has been self employed since XXXX. Please note the 1003 is using income from a DBA for the business verified with the attached document. - Seller-05/22/2025 <br> Open-CPA did not confirm years of SE - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. We kindly disagree, please see attached document, pulled from the state website, which confirms the borrower has been self employed since XXXX. Please note the 1003 is using income from a DBA for the business verified with the attached document. - Seller-05/22/2025 | Resolved-Received Documentation to support 2+ years self employment. - Due Diligence Vendor-05/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 680<br>Months Reserves exceed minimum required - 6 months reserves required, borrower has 10.81 documented |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4218831 |
| XXXX | 1120129 | XXXX C B A | Closed | FCRE1440 | 2025-05-22 13:51 | 2025-05-22 15:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow First time investor with no primary housing history. Non-material waiver applied with comp factors. - Due Diligence Vendor-07/18/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Exception Request: Borrower qualified as a First Time Investor does not own a primary 12 months. Seeking exception to move forward as First Time Investor borrower not on title to primary for 12 months and on mortgage.<br> - Due Diligence Vendor-05/22/2025 |  | Waived-Originator exception granted to allow First time investor with no primary housing history. Non-material waiver applied with comp factors. - Due Diligence Vendor-07/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 782<br>Months Reserves exceed minimum required - Min reserves 3 mths- Borrower's reserves 9.33 mths. | - Fico score 20+ points above the minimum<br> - 24 month credit history 0X30 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4217626 |
| XXXX | 1120166 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1120117 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1120131 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 1120093 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1120097 | XXXX D A | Closed | FCRE6019 | 2025-05-22 16:21 | 2025-05-30 08:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-As per updated guidance from the Lender, the USCIS is no longer a requirement - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Please waive the finding as the file contains the appropriate documents as per the XXXX ITIN program requirements prescribed in section 4.1 of the XXXX guidelines. Proof of citizenship is documented by the IRS ITIN letter and state-issued photo ID. Additional proof of U.S. citizenship is not required. Thank you. - Seller-05/29/2025 <br> Counter-Per guidelines, in addition to ITIN, and an unexpired government photo ID, the borrower(s) must evidence their residency status by providing applicable USCIS documentation. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-The uploaded loan file included the borrower's ID and ITIN on pages 531-532 as allowed per DSCR guidelines section 4.1: "ITIN (Individual Tax Identification Number) A XXXX without an SSN can qualify using ITIN (Individual Taxpayer Identification Number), The borrower(s) must possess a valid ITIN card or IRS ITIN letter, and an Unexpired Government Photo ID" - Seller-05/23/2025 <br> Open-Borrower Citizenship Documentation Is Missing All Non-U.S. Citizen Borrower(s) must evidence their residency status by providing applicable USCIS documentation (Passport). Provide this documentation. - Due Diligence Vendor-05/23/2025 | Ready for Review-Please waive the finding as the file contains the appropriate documents as per the XXXX ITIN program requirements prescribed in section 4.1 of the XXXX DSCR guidelines. Proof of citizenship is documented by the IRS ITIN letter and state-issued photo ID. Additional proof of U.S. citizenship is not required. Thank you. - Seller-05/29/2025 <br> Ready for Review-The uploaded loan file included the borrower's ID and ITIN on pages 531-532 as allowed per DSCR guidelines section 4.1: "ITIN (Individual Tax Identification Number) A XXXX without an SSN can qualify using ITIN (Individual Taxpayer Identification Number), The borrower(s) must possess a valid ITIN card or IRS ITIN letter, and an Unexpired Government Photo ID" - Seller-05/23/2025 | Resolved-As per updated guidance from the Lender, the USCIS is no longer a requirement - Due Diligence Vendor-05/30/2025<br>| Months Reserves exceed minimum required - Min reserves 0 mths- Borrower has 11.24 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 750 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4220365 |
| XXXX | 1120097 | XXXX D A | Closed | FCRE0045 | 2025-05-23 06:21 | 2025-05-28 10:57 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Upon further review not required, borrower is not a XXXX. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-We respectfully disagree as an ACH is not required for an ITIN borrower. The uploaded loan file included the borrower's ITIN and Photo ID as allowed per guidelines. - Seller-05/23/2025 <br> Open-Foreign National but the ACH form is Missing from file. Provide the ACH form. - Due Diligence Vendor-05/23/2025 | Ready for Review-We respectfully disagree as an ACH is not required for an ITIN borrower. The uploaded loan file included the borrower's ITIN and Photo ID as allowed per guidelines. - Seller-05/23/2025<br>| Resolved-Upon further review not required, borrower is not a XXXX. - Due Diligence Vendor-05/28/2025 | Months Reserves exceed minimum required - Min reserves 0 mths- Borrower has 11.24 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 750 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4224835 |
| XXXX | 1120185 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1120098 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1120169 | XXXX D A C | Closed | FCOM1233 | 2025-05-23 15:17 | 2025-05-28 13:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Corrected 1003 provided. - Due Diligence Vendor-05/28/2025 <br>Counter-Received final 1003 with corrected borrower last name, missing borrower signature. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. See attached - Seller-05/23/2025 <br>Open-The Final 1003 is Incomplete - Borrower's Last name on 1003 is misspelled. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. See attached - Seller-05/23/2025<br>| Resolved-Corrected 1003 provided. - Due Diligence Vendor-05/28/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%, borrowers DTI 34.46<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 780 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4233464 |
| XXXX | 1120169 | XXXX D A C | Closed | FCRE1509 | 2025-05-22 13:20 | 2025-05-28 13:24 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Corrected Note provided. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. Please see corrected Note - Seller-05/23/2025 <br> Open-There are Issues Present on the Note that must be addressed. -----Borrower's last name is misspelled per SSC/Driver's License. Should read XXXX - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. Please see corrected Note - Seller-05/23/2025<br>| Resolved-Corrected Note provided. - Due Diligence Vendor-05/28/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%, borrowers DTI 34.46<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 780 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4217126 |
| XXXX | 1120165 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1120060 | XXXX C B A | Closed | finding-3634 | 2025-05-23 10:25 | 2025-06-18 07:37 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-PCCD XXXX lender credit for increase above legal limits, XXXX - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. See attached - Seller-06/17/2025 <br> Counter-No document attached. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Please see attached PCCD showing a Final Seller Credit of XXXX confirming the XXXX refund was sent to the borrower - Seller-06/16/2025 <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 XXXX.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 XXXX (Appraisal and Credit Report fees) without a valid COC in file. There is a XXXX lender credit on final CD for closing costs above legal limit. Provide a valid and timely COC for increases OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. See attached - Seller-06/17/2025 <br> Ready for Review-Please see attached PCCD showing a Final Seller Credit of XXXX confirming the XXXX refund was sent to the borrower - Seller-06/16/2025 | Resolved-PCCD XXXX lender credit for increase above legal limits, XXXX - Due Diligence Vendor-06/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 781<br>Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 83.91 mths in reserves |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4227475 |
| XXXX | 1120060 | XXXX C B A | Closed | FCOM1353 | 2025-05-23 10:02 | 2025-05-23 10:02 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/23/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 781<br>Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 83.91 mths in reserves |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 4227092 |
| XXXX | 1120199 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1120193 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 1120198 | XXXX D A | Closed | FCRE6019 | 2025-05-27 13:07 | 2025-05-30 08:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-As per updated guidance from the Lender, the USCIS is no longer a requirement - Due Diligence Vendor-05/30/2025 <br> Ready for Review-We respectfully disagree. Both borrowers XXXX ID and ITIN documents were uploaded with the loan file, please refer to pages 33-37. - Seller-05/28/2025 <br> Open-Borrower Citizenship Documentation Is Missing - Due Diligence Vendor-05/27/2025 | Ready for Review-We respectfully disagree. Both borrowers XXXX ID and ITIN documents were uploaded with the loan file, please refer to pages 33-37. - Seller-05/28/2025 | Resolved-As per updated guidance from the Lender, the USCIS is no longer a requirement - Due Diligence Vendor-05/30/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrowers DTI 21%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrowers FICO 808 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4246114 |
| XXXX | 1120130 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 1120170 | XXXX C A | Closed | FCRE9501 | 2025-05-27 21:23 | 2025-05-30 15:31 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received final CD from refi of other property confirming sufficient reserves. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. The funds for CTC were from the cash-out proceeds of a simultaneous refinance transaction for property address XXXX. Please see attached Final CD. - Seller-05/28/2025 <br> Open-Total Qualified Assets Post-Close amount is 'XXXX'. Assets are Insufficient. Missing asset documentation to cover closing cost. - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. The funds for CTC were from the cash-out proceeds of a simultaneous refinance transaction for property address XXXX. Please see attached Final CD. - Seller-05/28/2025 | Resolved-Received final CD from refi of other property confirming sufficient reserves. - Due Diligence Vendor-05/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 711 is higher than the minimum FICO required of 640<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 50 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4251439 |
| XXXX | 1120194 | XXXX D B C A | Closed | FCRE5116 | 2025-05-28 10:52 | 2025-06-03 15:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received rent free letter. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. There is a letter of explanation showing borrower lives rent free on page XXXX of Property Profile Report. - Seller-05/30/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR or letter showing borrower lives rent free. - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. There is a letter of explanation showing borrower lives rent free on page 18 of Property Profile Report. - Seller-05/30/2025<br>| Resolved-Received rent free letter. - Due Diligence Vendor-06/03/2025<br>| Months Reserves exceed minimum required - Verified assets of 6.01 months exceeds the minimum required of 3 months<br>Qualifying DTI below maximum allowed - DTI of 42.64% is less than the maximum allowed per guidelines of 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4256216 |
| XXXX | 1120194 | XXXX D B C A | Closed | FCRE1148 | 2025-05-28 11:30 | 2025-06-03 15:32 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Upon further review, the loan file contained all required title coverage documentation. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Page 933 of closing package shows Title coverage amount of XXXX which matches our total loan amount. No issues. - Seller-05/30/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage is not sufficient - Due Diligence Vendor-05/28/2025 | Ready for Review-Page 933 of closing package shows Title coverage amount of XXXX which matches our total loan amount. No issues. - Seller-05/30/2025 | Resolved-Upon further review, the loan file contained all required title coverage documentation. - Due Diligence Vendor-06/03/2025<br>| Months Reserves exceed minimum required - Verified assets of 6.01 months exceeds the minimum required of 3 months<br>Qualifying DTI below maximum allowed - DTI of 42.64% is less than the maximum allowed per guidelines of 50% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4257129 |
| XXXX | 1120194 | XXXX D B C A | Closed | FCRE1278 | 2025-05-28 11:06 | 2025-05-28 11:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-Originator exception granted to allow escrow waiver, Non-material waiver applied with comp factors. non-material due to waiving escrows. - Due Diligence Vendor-05/28/2025 <br>Open-Exception in file to waive impounds with an LTV at 85% - Due Diligence Vendor-05/28/2025 |  | Waived-Originator exception granted to allow escrow waiver, Non-material waiver applied with comp factors. non-material due to waiving escrows. - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - Verified assets of 6.01 months exceeds the minimum required of 3 months<br>Qualifying DTI below maximum allowed - DTI of 42.64% is less than the maximum allowed per guidelines of 50% | Borrower has been in the same line of work for over 10 years. DTI 5%<br> lower than max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4256507 |
| XXXX | 1120088 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1120143 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1120187 | XXXX D A | Closed | FCRE1509 | 2025-05-27 14:37 | 2025-06-04 14:01 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Signed Note provided. - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/03/2025 <br>Open-There are Issues Present on the Note that must be addressed. note is not signed - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/03/2025<br>| Resolved-Signed Note provided. - Due Diligence Vendor-06/04/2025<br>| DSCR % greater than 1.20 - DSCR 1.305<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, borrowers mid score is 788 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4247639 |
| XXXX | 1120187 | XXXX D A | Closed | FCOM8972 | 2025-06-02 16:23 | 2025-06-04 14:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Deed of Trust Riders | Resolved-Security Instrument Date was provided with language in note. - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. Please note the information is included in the attached Mortgage. - Seller-06/03/2025 <br>Open-Missing 1-4 rider - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. Please note the information is included in the attached Mortgage. - Seller-06/03/2025<br>| Resolved-Security Instrument Date was provided with language in note. - Due Diligence Vendor-06/04/2025<br>| DSCR % greater than 1.20 - DSCR 1.305<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, borrowers mid score is 788 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4304664 |
| XXXX | 1120187 | XXXX D A | Closed | FCRE1116 | 2025-05-27 14:49 | 2025-06-04 13:58 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date does not equal Note Date | Resolved-Security Instrument Date was provided. - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/03/2025 <br>Open-Security Instrument Date does not match the Note Date - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/03/2025<br>| Resolved-Security Instrument Date was provided. - Due Diligence Vendor-06/04/2025<br>| DSCR % greater than 1.20 - DSCR 1.305<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, borrowers mid score is 788 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4247807 |
| XXXX | 1120187 | XXXX D A | Closed | FCOM1220 | 2025-05-27 14:49 | 2025-06-04 13:58 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Security Instrument Date (DOT) was provided. - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/03/2025 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/03/2025<br>| Resolved-Security Instrument Date (DOT) was provided. - Due Diligence Vendor-06/04/2025<br>| DSCR % greater than 1.20 - DSCR 1.305<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, borrowers mid score is 788 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4247808 |
| XXXX | 1120161 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 1120074 | XXXX C A | Closed | FCRE1148 | 2025-05-28 14:26 | 2025-06-04 14:06 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of XXXX was provided. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/03/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide proof of sufficient Title Coverage. - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/03/2025<br>| Resolved-Title Coverage Amount of XXXX was provided. - Due Diligence Vendor-06/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680- Borrower's FICO 784<br>Months Reserves exceed minimum required - Min reserves 6mths- Borrower has 43 mths in reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4259937 |
| XXXX | 1120075 | XXXX B A | Closed | FCRE0110 | 2025-05-29 07:37 | 2025-05-29 08:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Missing or incomplete documentation for Solar Panels | Waived-Originator exception granted to allow without solar documents and with title clearance of UCC. Non-material waiver applied to finding with compensating factors.<br> Refinance transaction. Borrower does not have any outstanding solar obligation. UCC removed from title. - Due Diligence Vendor-05/29/2025 <br>Open-Exception Request: If a previously filed UCC was temporarily removed from title through a UCC termination, evidence must be provided that the UCC was paid in full otherwise the financed balance must be included in LTV/CLTV. Exception to proceed without any solar documents and with title clearance of UCC. - Due Diligence Vendor-05/29/2025 |  | Waived-Originator exception granted to allow without solar documents and with title clearance of UCC. Non-material waiver applied to finding with compensating factors.<br> Refinance transaction. Borrower does not have any outstanding solar obligation. UCC removed from title. - Due Diligence Vendor-05/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 784<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR=/> 1.00 and minimum is 0.85 or Less--- Borrower's DSCR 1.011%- No minimum DSCR. | FICO is 84pts above minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4267022 |
| XXXX | 1120111 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1120176 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 1120156 | XXXX C B A | Closed | FCRE1455 | 2025-06-02 09:21 | 2025-06-10 16:40 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Upon further review, 1 month of verification is required. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Guideline for DSCR Assets do not require seasoning and 2 months average not required. - Seller-06/06/2025 <br> Ready for Review-Document Uploaded. XXXXe Business Bank Statement XXXX is a new account opened on XXXX. An opening deposit of XXXX was made on XXXX to Chase XXXX which was sourced from a withdrawal made on XXXX from the Borrower's CFR Medical Transportation XXXX Business Bank Statement XXXX. - Seller-06/06/2025 <br> Open-Asset 1 Less Than 2 Months Verified 30-day statement required - Due Diligence Vendor-06/02/2025 | Ready for Review-Guideline for DSCR Assets do not require seasoning and 2 months average not required. - Seller-06/06/2025 <br> Ready for Review-Document Uploaded. XXXX Business Bank Statement XXXX is a new account opened on XXXX. An opening deposit of XXXX was made on XXXX to XXXX XXXX which was sourced from a withdrawal made on XXXX from the Borrower's XXXX. - Seller-06/06/2025 | Resolved-Upon further review, 1 month of verification is required. - Due Diligence Vendor-06/10/2025<br>| DSCR % greater than 1.20 - DSCR% greater than 1.20- Borrower's DSCR % is 1.303. <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 751 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4297047 |
| XXXX | 1120156 | XXXX C B A | Closed | FCRE1200 | 2025-05-29 10:26 | 2025-06-10 16:37 | 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 < XXXX. Non-material waiver applied to finding with compensating factors. Non-Material as the variance is XXXX - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX The Loan Amount is less than the minimum amount allowed. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Waived-Originator exception granted to allow loan amount < XXXX. Non-material waiver applied to finding with compensating factors. Non-Material as the variance is XXXX- Due Diligence Vendor-06/10/2025 | DSCR % greater than 1.20 - DSCR% greater than 1.20- Borrower's DSCR % is 1.303. <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 751 | DSCR ratio > 1.2 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4269156 |
| XXXX | 1120156 | XXXX C B A | Closed | FCRE1491 | 2025-05-29 10:18 | 2025-06-02 09:21 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Assets were provided and met the applicable guidelines. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. Bank statement shows XXXX Checking XXXXdated td XXXX from XXXX shows a transfer of XXXX dated td XXXX to newly opened business account with Chase XXXX on XXXX for XXXX. - Seller-05/29/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements no assets provided - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. Bank statement shows XXXX dated td XXXX from XXXX shows a transfer of XXXX dated td XXXX to newly opened business account with XXXX on XXXX for XXXX. - Seller-05/29/2025 | Resolved-Assets were provided and met the applicable guidelines. - Due Diligence Vendor-06/02/2025<br>| DSCR % greater than 1.20 - DSCR% greater than 1.20- Borrower's DSCR % is 1.303. <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 751 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4268987 |
| XXXX | 1120156 | XXXX C B A | Closed | FCRE8201 | 2025-05-29 11:20 | 2025-05-30 08:55 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-As per updated guidance from the Lender, USCIS is not longer a requirement - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. We disagree, file contains a copy of the borrower's expired Perm Res Card and an XXXX form which extended the good through date to XXXX. - Seller-05/29/2025 <br> Open-Valid legal residence documentation not provided. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. We disagree, file contains a copy of the borrower's expired Perm Res Card and an I797 form which extended the good through date to XXXX. - Seller-05/29/2025 | Resolved-As per updated guidance from the Lender, USCIS is not longer a requirement - Due Diligence Vendor-05/30/2025<br>| DSCR % greater than 1.20 - DSCR% greater than 1.20- Borrower's DSCR % is 1.303. <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 751 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4270411 |
| XXXX | 1120156 | XXXX C B A | Closed | FCRE1440 | 2025-05-29 10:10 | 2025-05-29 11:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements 75% LTV with no VOR <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR loan and strong compensating factors. - Due Diligence Vendor-05/29/2025 <br>Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-05/29/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements 75% LTV with no VOR <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR loan and strong compensating factors. - Due Diligence Vendor-05/29/2025<br>| DSCR % greater than 1.20 - DSCR% greater than 1.20- Borrower's DSCR % is 1.303. <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 751 | DSCR Ratio is 1.20<br> Score 20+ points above minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4268851 |
| XXXX | 1120188 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 1120087 | XXXX D B C A | Closed | FCRE1181 | 2025-05-30 10:24 | 2025-06-18 16:43 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Notice of Special Flood Hazard Disclosure provided. - Due Diligence Vendor-06/18/2025 <br> Counter-Notice of Special Flood Hazard Disclosure is required. Original finding remains. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Please note that the Flood Determination is not required to be signed by the borrower; As the lender, we are required to complete a Flood Determination Search and provide the documentation to the borrower to advise the property is located within a Flood Zone. We note that we met our obligation by obtaining the Flood Cert and providing it to the borrower on XXXX; well before our closing date of XXXX - Seller-06/16/2025 <br> Counter-Documentation received is insufficient-original finding remains. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Please waive the finding as the flood determination was delivered to the borrower on XXXX, within 10 days of closing. - Seller-06/09/2025 <br> Open-Subject Property is in Flood Zone XXXX but Notice of Special Flood Hazard Disclosure was not provided Provide the signed and dated Notice of Special Flood Hazard Disclsoure. - Due Diligence Vendor-05/30/2025 | Ready for Review-Please note that the Flood Determination is not required to be signed by the borrower; As the lender, we are required to complete a Flood Determination Search and provide the documentation to the borrower to advise the property is located within a Flood Zone. We note that we met our obligation by obtaining the Flood Cert and providing it to the borrower on XXXX; well before our closing date of XXXX - Seller-06/16/2025 <br> Ready for Review-Please waive the finding as the flood determination was delivered to the borrower on XXXX, within 10 days of closing. - Seller-06/09/2025 | Resolved-Notice of Special Flood Hazard Disclosure provided. - Due Diligence Vendor-06/18/2025<br>| Months Reserves exceed minimum required - Min reserves required 9 mths- Borrowers have 14.01 mths in reserves. <br>Long term residence - Borrowers have resided in primary residence for 5+ years. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4282619 |
| XXXX | 1120087 | XXXX D B C A | Closed | FCRE1500 | 2025-05-30 12:06 | 2025-06-18 16:43 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio | Resolved-ATR: All Liabilities, Including Alimony and Child Support, are factored into DTI Ratio or Not Applicable - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. - Seller-06/09/2025 <br>Open-ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio Missing evidence of exclusion of debt - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved-ATR: All Liabilities, Including Alimony and Child Support, are factored into DTI Ratio or Not Applicable - Due Diligence Vendor-06/10/2025<br>| Months Reserves exceed minimum required - Min reserves required 9 mths- Borrowers have 14.01 mths in reserves. <br>Long term residence - Borrowers have resided in primary residence for 5+ years. |  | 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 | 4284604 |
| XXXX | 1120087 | XXXX D B C A | Closed | FCRE1506 | 2025-05-30 12:06 | 2025-06-18 16:43 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Both the XXXX motor is paid by the business. See attached. Thank you. - Seller-06/09/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing evidence of exclusion of debt - Due Diligence Vendor-05/30/2025 | Ready for Review-Both the XXXX motor is paid by the business. See attached. Thank you. - Seller-06/09/2025 | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/10/2025<br>| Months Reserves exceed minimum required - Min reserves required 9 mths- Borrowers have 14.01 mths in reserves. <br>Long term residence - Borrowers have resided in primary residence for 5+ years. |  | 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 | 4284605 |
| XXXX | 1120087 | XXXX D B C A | Closed | FCRE1324 | 2025-05-30 10:41 | 2025-06-17 14:39 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Received electronic filing in lieu of signature and file contains transcripts. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Please waive the finding since XXXX guide states that a documentation confirming the tax returns were filed electronically is acceptable as a signature alternative. Please see attached. - Seller-06/14/2025 <br> Counter-Documentation received is insufficient-original finding remains. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Please see attached IRS e-file Signature Authorization and XXXX 1040's. - Seller-06/06/2025 <br> Open-Borrower 1 Tax Returns Not Signed Provide the XXXX 1040s signed by both borrowers.<br> - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. Please waive the finding since XXXX guide states that a documentation confirming the tax returns were filed electronically is acceptable as a signature alternative. Please see attached. - Seller-06/14/2025 <br> Ready for Review-Document Uploaded. Please see attached IRS e-file Signature Authorization and XXXX 1040's. - Seller-06/06/2025 | Resolved-Received electronic filing in lieu of signature and file contains transcripts. - Due Diligence Vendor-06/17/2025<br>| Months Reserves exceed minimum required - Min reserves required 9 mths- Borrowers have 14.01 mths in reserves. <br>Long term residence - Borrowers have resided in primary residence for 5+ years. |  | 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 | 4282868 |
| XXXX | 1120087 | XXXX D B C A | Closed | finding-3540 | 2025-05-29 11:13 | 2025-06-11 07:16 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Please waive this finding as it is invalid since TRID FAQ requires:<br>A creditor must ensure that a consumer receives an initial Closing Disclosure no later than three business days before consummation. 12 CFR § 1026.19(f)(1)(ii)(A). If the disclosed terms change after the creditor has provided the initial Closing Disclosure to the consumer, the creditor must provide a corrected Closing Disclosure to the consumer. Unless the change is one of the three types of changes discussed below, it is sufficient if the consumer receives the corrected Closing Disclosure at or before consummation. 12 CFR § 1026.19(f)(2)(i). This means that, for most types of changes, the creditor can consummate the loan without waiting three business days after the consumer receives the corrected Closing Disclosure.<br>So even if the borrower did not view this CD electronically, they received a copy of the CD with the changes reflected on it at closing within three business days of the change.<br> - Seller-06/09/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----Due to increase in closing cost fees, please provide evidence that borrower's acknowledged CD XXXX. - Due Diligence Vendor-05/29/2025 | Ready for Review-Please waive this finding as it is invalid since TRID FAQ requires:<br>A creditor must ensure that a consumer receives an initial Closing Disclosure no later than three business days before consummation. 12 CFR § 1026.19(f)(1)(ii)(A). If the disclosed terms change after the creditor has provided the initial Closing Disclosure to the consumer, the creditor must provide a corrected Closing Disclosure to the consumer. Unless the change is one of the three types of changes discussed below, it is sufficient if the consumer receives the corrected Closing Disclosure at or before consummation. 12 CFR § 1026.19(f)(2)(i). This means that, for most types of changes, the creditor can consummate the loan without waiting three business days after the consumer receives the corrected Closing Disclosure.<br>So even if the borrower did not view this CD electronically, they received a copy of the CD with the changes reflected on it at closing within three business days of the change.<br> - Seller-06/09/2025<br>| Resolved-Upon further review, finding resolved. - Due Diligence Vendor-06/11/2025<br>| Months Reserves exceed minimum required - Min reserves required 9 mths- Borrowers have 14.01 mths in reserves. <br>Long term residence - Borrowers have resided in primary residence for 5+ years. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4270115 |
| XXXX | 1120087 | XXXX D B C A | Closed | FCRE1356 | 2025-05-30 11:56 | 2025-06-10 16:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 YTD Profit & Loss Missing | Resolved-Upon further review, the loan file contained all required income documentation. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Please waive the finding as the XXXX program does not require a 2025 ytd P&L, ytd P&L is a XXXX overlay. - Seller-06/09/2025 <br> Open-Borrower 2 YTD Profit & Loss Missing Missing 2025 P&L - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. Please waive the finding as the XXXX program does not require a XXXX ytd P&L, ytd P&L is a XXXX overlay. - Seller-06/09/2025 | Resolved-Upon further review, the loan file contained all required income documentation. - Due Diligence Vendor-06/10/2025<br>| Months Reserves exceed minimum required - Min reserves required 9 mths- Borrowers have 14.01 mths in reserves. <br>Long term residence - Borrowers have resided in primary residence for 5+ years. |  | 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 | 4284359 |
| XXXX | 1120087 | XXXX D B C A | Closed | FCRE4963 | 2025-05-30 12:04 | 2025-06-10 16:51 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received confirmation paid by business. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/06/2025 <br> Open-Lender to provide evidence of the reason for excluding XXXX Finance company XXXX - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/06/2025<br>| Resolved-Received confirmation paid by business. - Due Diligence Vendor-06/10/2025<br>| Months Reserves exceed minimum required - Min reserves required 9 mths- Borrowers have 14.01 mths in reserves. <br>Long term residence - Borrowers have resided in primary residence for 5+ years. |  | 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 | 4284570 |
| XXXX | 1120087 | XXXX D B C A | Closed | FCRE5778 | 2025-06-02 13:48 | 2025-06-02 13:49 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower 1 Credit Report is Expired | Resolved-Credit Report date is after the Note Date please review. XXXX Score based on updated credit dated XXXX (pulled after closing); there is a prior credit report dated XXXX & expired XXXX. - Due Diligence Vendor-06/02/2025 <br> Open-Credit Report date is after the Note Date please review. XXXX Score based on updated credit dated XXXX (pulled after closing). - Due Diligence Vendor-06/02/2025 |  | Resolved-Credit Report date is after the Note Date please review. FICO Score based on updated credit dated XXXX (pulled after closing); there is a prior credit report dated XXXX & expired XXXX. - Due Diligence Vendor-06/02/2025 | Months Reserves exceed minimum required - Min reserves required 9 mths- Borrowers have 14.01 mths in reserves. <br>Long term residence - Borrowers have resided in primary residence for 5+ years. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4301820 |
| XXXX | 1120087 | XXXX D B C A | Closed | FCRE1197 | 2025-05-30 12:10 | 2025-05-30 12:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted to allow XXXX of 645, Non-material waiver applied with comp factors. non-material due to full doc loan. - Due Diligence Vendor-07/16/2025 <br> Open-Audited XXXX of 645 is less than Guideline XXXX of 660 660 required for LTV of 75% - Due Diligence Vendor-05/30/2025 |  | Waived-Originator exception granted to allow FICO of 645, Non-material waiver applied with comp factors. non-material due to full doc loan. - Due Diligence Vendor-07/16/2025<br>| Months Reserves exceed minimum required - Min reserves required 9 mths- Borrowers have 14.01 mths in reserves. <br>Long term residence - Borrowers have resided in primary residence for 5+ years. | 0x30x24<br> 5+ years in primary residence |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4284652 |
| XXXX | 1120087 | XXXX D B C A | Closed | FCRE1194 | 2025-05-30 11:34 | 2025-05-30 12:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow LTV of 75%, Non-material waiver applied with comp factors. non-material due to Full doc loan - Due Diligence Vendor-05/30/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 65% Exception Request: Current Product Matrix requires a 660 min XXXX for Cash Out LTV of 75 for loan amounts up to 1.5m. Seeking exception to allow 645 XXXX for Cash Out LTV of 75% for loan amount up to 1.5m. - Due Diligence Vendor-05/30/2025 |  | Waived-Originator exception granted to allow LTV of 75%, Non-material waiver applied with comp factors. non-material due to Full doc loan - Due Diligence Vendor-05/30/2025<br>| Months Reserves exceed minimum required - Min reserves required 9 mths- Borrowers have 14.01 mths in reserves. <br>Long term residence - Borrowers have resided in primary residence for 5+ years. | - 0X 30 X 24<br> - 5+ years in primary residence<br> - years on job 2 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4284069 |
| XXXX | 1120196 | XXXX D A | Closed | FCRE1252 | 2025-06-03 07:38 | 2025-06-18 18:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received supplement with the correct Zip Code. - Due Diligence Vendor-06/18/2025 <br>Ready for Review-Document Uploaded. We ask that this condition be waived as the zip code is just a Typo. Please note that the Legal Description is correct and is what holds weight. - Seller-06/17/2025 <br>Open-Provide Title with the correct Zip Code. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. We ask that this condition be waived as the zip code is just a Typo. Please note that the Legal Description is correct and is what holds weight. - Seller-06/17/2025<br>| Resolved-Received supplement with the correct Zip Code. - Due Diligence Vendor-06/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 711<br>Months Reserves exceed minimum required - 0 mths reserves req'd- Borrower has 83.15 mths in reserves |  | 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 | 4309962 |
| XXXX | 1120049 | XXXX C A | Closed | FCRE1254 | 2025-06-02 13:49 | 2025-06-19 15:18 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Final Title. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/18/2025 <br> Open-Property Title Issue Missing title correction: Sch B/Part 1/#5 on title is incorrect, should be XXXX recorded - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/18/2025<br>| Resolved-Received Final Title. - Due Diligence Vendor-06/19/2025<br>| Long term residence - Primary residence for over 25 years<br>Months Reserves exceed minimum required - 0 minimum reserves required, borrower has 97 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4301837 |
| XXXX | 1120070 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |

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## Exhibit 99.3

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.3 - Schedule 2**

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 1121568 | XXXX | XXXX C A |
| XXXX | 1121497 | XXXX | XXXX D A C |
| XXXX | 1121180 | XXXX | XXXX D A |
| XXXX | 1121256 | XXXX | XXXX D A |
| XXXX | 1121181 | XXXX | XXXX D A |
| XXXX | 1121186 | XXXX | XXXX D A |
| XXXX | 1121198 | XXXX | XXXX A C |
| XXXX | 1121191 | XXXX | XXXX D B A |
| XXXX | 1121196 | XXXX | XXXX D B A |
| XXXX | 1121193 | XXXX | XXXX D A C |
| XXXX | 1121202 | XXXX | XXXX D A |
| XXXX | 1121194 | XXXX | XXXX D A |
| XXXX | 1121207 | XXXX | XXXX C A |
| XXXX | 1121210 | XXXX | XXXX D B A |
| XXXX | 1121204 | XXXX | XXXX D B A |
| XXXX | 1121209 | XXXX | XXXX C A |
| XXXX | 1025924 | XXXX | XXXX D A |
| XXXX | 1121211 | XXXX | XXXX D A |
| XXXX | 1121213 | XXXX | XXXX D A |
| XXXX | 1121221 | XXXX | XXXX C A B |
| XXXX | 1121242 | XXXX | XXXX D A |
| XXXX | 1121240 | XXXX | XXXX D B A |
| XXXX | 1121227 | XXXX | XXXX C B A |
| XXXX | 1121237 | XXXX | XXXX A D B |
| XXXX | 1121228 | XXXX | XXXX D B A |
| XXXX | 1121243 | XXXX | XXXX D B A |
| XXXX | 1121239 | XXXX | XXXX A B |
| XXXX | 1121253 | XXXX | XXXX D A B |
| XXXX | 1121241 | XXXX | XXXX D B A |
| XXXX | 1121230 | XXXX | XXXX C D A B |
| XXXX | 1121231 | XXXX | XXXX C B A |
| XXXX | 1121272 | XXXX | XXXX C A |
| XXXX | 1121248 | XXXX | XXXX A |
| XXXX | 1091882 | XXXX | XXXX D A |
| XXXX | 1091825 | XXXX | XXXX A |
| XXXX | 1121282 | XXXX | XXXX A C B |
| XXXX | 1121271 | XXXX | XXXX C D A B |
| XXXX | 1121299 | XXXX | XXXX A B |
| XXXX | 1121300 | XXXX | XXXX D A B |
| XXXX | 1121304 | XXXX | XXXX A |
| XXXX | 1091881 | XXXX | XXXX C A |
| XXXX | 1121337 | XXXX | XXXX D B A |
| XXXX | 1121335 | XXXX | XXXX D B A |
| XXXX | 1121431 | XXXX | XXXX A C B |
| XXXX | 1120044 | XXXX | XXXX A |
| XXXX | 1121255 | XXXX | XXXX A C |
| XXXX | 1121349 | XXXX | XXXX D B A |
| XXXX | 1121432 | XXXX | XXXX A B |
| XXXX | 1121454 | XXXX | XXXX A |
| XXXX | 1121434 | XXXX | XXXX D B A |
| XXXX | 1121458 | XXXX | XXXX A |
| XXXX | 1121430 | XXXX | XXXX A B |
| XXXX | 1121470 | XXXX | XXXX D A |
| XXXX | 1121471 | XXXX | XXXX D A |
| XXXX | 1121340 | XXXX | XXXX A B C |
| XXXX | 1121363 | XXXX | XXXX D A C |
| XXXX | 1121298 | XXXX | XXXX C A |
| XXXX | 1121424 | XXXX | XXXX A C |
| XXXX | 1121428 | XXXX | XXXX A B |
| XXXX | 1121429 | XXXX | XXXX D A |
| XXXX | 1121437 | XXXX | XXXX D B A |
| XXXX | 1121435 | XXXX | XXXX A |
| XXXX | 1091883 | XXXX | XXXX C A |
| XXXX | 1121427 | XXXX | XXXX A |
| XXXX | 1121466 | XXXX | XXXX D A |
| XXXX | 1121474 | XXXX | XXXX D A |
| XXXX | 1121280 | XXXX | XXXX D B A |
| XXXX | 1121457 | XXXX | XXXX C B A |
| XXXX | 1121460 | XXXX | XXXX A B |
| XXXX | 1121478 | XXXX | XXXX C A |
| XXXX | 1121348 | XXXX | XXXX C B A |
| XXXX | 1121465 | XXXX | XXXX A C |
| XXXX | 1121473 | XXXX | XXXX A |
| XXXX | 1121477 | XXXX | XXXX C A |
| XXXX | 1121499 | XXXX | XXXX C B A |
| XXXX | 1121500 | XXXX | XXXX C B A |
| XXXX | 1121479 | XXXX | XXXX A |
| XXXX | 1121476 | XXXX | XXXX A |
| XXXX | 1121273 | XXXX | XXXX D A C |
| XXXX | 1121442 | XXXX | XXXX A |
| XXXX | 1121550 | XXXX | XXXX D A |
| XXXX | 1121498 | XXXX | XXXX A |
| XXXX | 1121395 | XXXX | XXXX A |
| XXXX | 1121508 | XXXX | XXXX D B A |
| XXXX | 1121509 | XXXX | XXXX C A |
| XXXX | 1121440 | XXXX | XXXX A |
| XXXX | 1121370 | XXXX | XXXX A C |
| XXXX | 1121554 | XXXX | XXXX A |
| XXXX | 1121535 | XXXX | XXXX A |
| XXXX | 1121551 | XXXX | XXXX A |
| XXXX | 1121546 | XXXX | XXXX D A B |
| XXXX | 1121561 | XXXX | XXXX C B A |
| XXXX | 1121560 | XXXX | XXXX D B A |
| XXXX | 1121565 | XXXX | XXXX A B |
| XXXX | 1121562 | XXXX | XXXX A D |
| XXXX | 1121576 | XXXX | XXXX D A |
| XXXX | 1115831 | XXXX | XXXX A |
| XXXX | 1115869 | XXXX | XXXX A |
| XXXX | 1115860 | XXXX | XXXX A |
| XXXX | 1115820 | XXXX | XXXX A |
| XXXX | 1115829 | XXXX | XXXX D A |
| XXXX | 1115815 | XXXX | XXXX A |
| XXXX | 1115799 | XXXX | XXXX D A |
| XXXX | 1115801 | XXXX | XXXX C A |
| XXXX | 1115856 | XXXX | XXXX A D |
| XXXX | 1115863 | XXXX | XXXX A |
| XXXX | 1115855 | XXXX | XXXX A |
| XXXX | 1115870 | XXXX | XXXX A |
| XXXX | 1115811 | XXXX | XXXX C A |
| XXXX | 1115847 | XXXX | XXXX C A B |
| XXXX | 1115862 | XXXX | XXXX A |
| XXXX | 1115864 | XXXX | XXXX A |
| XXXX | 1115865 | XXXX | XXXX D A B |
| XXXX | 1115828 | XXXX | XXXX A |
| XXXX | 1115832 | XXXX | XXXX D A |
| XXXX | 1115817 | XXXX | XXXX B A |
| XXXX | 1115823 | XXXX | XXXX A |
| XXXX | 1115827 | XXXX | XXXX C A B |
| XXXX | 1115835 | XXXX | XXXX A |
| XXXX | 1115842 | XXXX | XXXX A |
| XXXX | 1115816 | XXXX | XXXX B A |
| XXXX | 1115822 | XXXX | XXXX A |
| XXXX | 1115825 | XXXX | XXXX D C A |
| XXXX | 1115819 | XXXX | XXXX A |
| XXXX | 1115834 | XXXX | XXXX A |
| XXXX | 1115798 | XXXX | XXXX D A B |
| XXXX | 1115853 | XXXX | XXXX A |
| XXXX | 1115854 | XXXX | XXXX A |
| XXXX | 1115840 | XXXX | XXXX A |
| XXXX | 1120063 | XXXX | XXXX A |
| XXXX | 1115800 | XXXX | XXXX C A B |
| XXXX | 1115866 | XXXX | XXXX A |
| XXXX | 1115809 | XXXX | XXXX A |
| XXXX | 1115857 | XXXX | XXXX A |
| XXXX | 1115807 | XXXX | XXXX A |
| XXXX | 1115821 | XXXX | XXXX C A B |
| XXXX | 1115845 | XXXX | XXXX A |
| XXXX | 1115843 | XXXX | XXXX D A |
| XXXX | 1115804 | XXXX | XXXX A |
| XXXX | 1115871 | XXXX | XXXX C A B |
| XXXX | 1115814 | XXXX | XXXX D A |
| XXXX | 1115836 | XXXX | XXXX D A B |
| XXXX | 1115803 | XXXX | XXXX A |
| XXXX | 1115850 | XXXX | XXXX A C |
| XXXX | 1115830 | XXXX | XXXX C A B |
| XXXX | 1120105 | XXXX | XXXX A |
| XXXX | 1120103 | XXXX | XXXX A |
| XXXX | 1120106 | XXXX | XXXX C A |
| XXXX | 1120099 | XXXX | XXXX A |
| XXXX | 1120053 | XXXX | XXXX D A B |
| XXXX | 1120127 | XXXX | XXXX A |
| XXXX | 1120172 | XXXX | XXXX C A B |
| XXXX | 1120048 | XXXX | XXXX C A B |
| XXXX | 1120092 | XXXX | XXXX A |
| XXXX | 1120054 | XXXX | XXXX A |
| XXXX | 1120139 | XXXX | XXXX A |
| XXXX | 1120157 | XXXX | XXXX C A |
| XXXX | 1120066 | XXXX | XXXX A |
| XXXX | 1120086 | XXXX | XXXX A |
| XXXX | 1120058 | XXXX | XXXX C A B |
| XXXX | 1120132 | XXXX | XXXX A |
| XXXX | 1120073 | XXXX | XXXX A |
| XXXX | 1120065 | XXXX | XXXX D A |
| XXXX | 1120067 | XXXX | XXXX C A B |
| XXXX | 1120101 | XXXX | XXXX A |
| XXXX | 1120120 | XXXX | XXXX C A B |
| XXXX | 1120104 | XXXX | XXXX C A |
| XXXX | 1120116 | XXXX | XXXX A |
| XXXX | 1120175 | XXXX | XXXX A |
| XXXX | 1120121 | XXXX | XXXX A |
| XXXX | 1120095 | XXXX | XXXX C A |
| XXXX | 1120158 | XXXX | XXXX A |
| XXXX | 1120191 | XXXX | XXXX C A |
| XXXX | 1120082 | XXXX | XXXX A |
| XXXX | 1120069 | XXXX | XXXX C A |
| XXXX | 1120110 | XXXX | XXXX B A |
| XXXX | 1120195 | XXXX | XXXX A |
| XXXX | 1120162 | XXXX | XXXX D A |
| XXXX | 1120142 | XXXX | XXXX A |
| XXXX | 1120173 | XXXX | XXXX A |
| XXXX | 1120046 | XXXX | XXXX A |
| XXXX | 1120057 | XXXX | XXXX A |
| XXXX | 1120112 | XXXX | XXXX A |
| XXXX | 1120052 | XXXX | XXXX D A |
| XXXX | 1120163 | XXXX | XXXX C A |
| XXXX | 1120197 | XXXX | XXXX C A |
| XXXX | 1120129 | XXXX | XXXX C A B |
| XXXX | 1120166 | XXXX | XXXX A |
| XXXX | 1120117 | XXXX | XXXX A |
| XXXX | 1120131 | XXXX | XXXX A |
| XXXX | 1120093 | XXXX | XXXX A |
| XXXX | 1120097 | XXXX | XXXX D A |
| XXXX | 1120185 | XXXX | XXXX A |
| XXXX | 1120098 | XXXX | XXXX A |
| XXXX | 1120169 | XXXX | XXXX C D A |
| XXXX | 1120165 | XXXX | XXXX A |
| XXXX | 1120060 | XXXX | XXXX A C B |
| XXXX | 1120199 | XXXX | XXXX A |
| XXXX | 1120193 | XXXX | XXXX A |
| XXXX | 1120198 | XXXX | XXXX D A |
| XXXX | 1120130 | XXXX | XXXX A |
| XXXX | 1120170 | XXXX | XXXX C A |
| XXXX | 1120194 | XXXX | XXXX D C A B |
| XXXX | 1120088 | XXXX | XXXX A |
| XXXX | 1120143 | XXXX | XXXX A |
| XXXX | 1120187 | XXXX | XXXX D A |
| XXXX | 1120161 | XXXX | XXXX A |
| XXXX | 1120074 | XXXX | XXXX C A |
| XXXX | 1120075 | XXXX | XXXX B A |
| XXXX | 1120111 | XXXX | XXXX A |
| XXXX | 1120176 | XXXX | XXXX A |
| XXXX | 1120156 | XXXX | XXXX C A B |
| XXXX | 1120188 | XXXX | XXXX A |
| XXXX | 1120087 | XXXX | XXXX D C A B |
| XXXX | 1120196 | XXXX | XXXX D A |
| XXXX | 1120049 | XXXX | XXXX C A |
| XXXX | 1120070 | XXXX | XXXX A |

---

## Exhibit 99.3

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.3 - Schedule 3**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 1121568 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | 1121568 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | 1121497 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | 1121180 | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | per Note |
| XXXX | 1121180 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per Final CD |
| XXXX | 1121180 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per Final CD |
| XXXX | 1121256 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | 1121256 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | 1121181 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD. |
| XXXX | 1121181 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD. |
| XXXX | 1121186 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Townhouse/PUD |
| XXXX | 1121186 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD. |
| XXXX | 1121186 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | As per val products |
| XXXX | 1121198 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121198 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121191 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 1121193 | XXXX | XXXX | Maturity Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1121193 | XXXX | XXXX | First Payment Date | notePage | XXXX | XXXX | Per executed Note on file |
| XXXX | 1121202 | XXXX | XXXX | Maturity Date | notePage | XXXX | XXXX | per note |
| XXXX | 1121202 | XXXX | XXXX | First Payment Date | notePage | XXXX | XXXX | per Note |
| XXXX | 1121194 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | 1121194 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | 1121207 | XXXX | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD. |
| XXXX | 1121207 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1.33 | DSCR loan no income |
| XXXX | 1121210 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121204 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per Final CD |
| XXXX | 1025924 | XXXX | XXXX | First Payment Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1025924 | XXXX | XXXX | Maturity Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1025924 | XXXX | XXXX | Interest Rate | notePage | 7.375 | 7.6250 | Per Note |
| XXXX | 1121211 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.37 | 28.96 | Lender 1008 has higher estimated tax amount. Audit verified taxes from tax cert and UW comments on 1008 verify lower amounts. |
| XXXX | 1121221 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121227 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD. |
| XXXX | 1121227 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD. |
| XXXX | 1121228 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121228 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121228 | XXXX | XXXX | Verified Doc Type | employmentIncomePage | 2YR Business P&L | 1YR Business P&L | Per P&L provided by CPA |
| XXXX | 1121239 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | 1121239 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | 1121272 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Title |
| XXXX | 1091882 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1091825 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1091825 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per Note |
| XXXX | 1121282 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per final CD. |
| XXXX | 1121282 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.68 | 14.16 | Per the 1008, no PI was included in Lender's calculations. |
| XXXX | 1121271 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121271 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121299 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | 1121304 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1091881 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1121337 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 57.95 | 91.98 | Per Appraisal. Matches 1008 |
| XXXX | 1121337 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | 1121335 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121335 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121255 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121255 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121255 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.02 | 34.56 | Audit matches lender approval |
| XXXX | 1121432 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121432 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121432 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.07 | 34.70 | Lender did not include PITIA for departing residence |
| XXXX | 1121454 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per final cd |
| XXXX | 1121458 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121430 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121430 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121470 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 1121470 | XXXX | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 1121471 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 1121471 | XXXX | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 1121340 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD in File |
| XXXX | 1121363 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | per appraisal report |
| XXXX | 1121298 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 1121298 | XXXX | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 1121298 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 6.93 | 15.06 | Audit excluded installment debt as it was paid off, Lender included. |
| XXXX | 1121424 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | 1121428 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 1121428 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 1121437 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121435 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1091883 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1091883 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | XXXX | XXXX | Per borrower citizenship documents |
| XXXX | 1091883 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | DSCR |
| XXXX | 1121427 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121427 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121466 | XXXX | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | PER CD |
| XXXX | 1121474 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| XXXX | 1121474 | XXXX | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 1121474 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.77 | 41.36 | Lender incorrectly calculated subject's rental loss |
| XXXX | 1121457 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121460 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | As per CD |
| XXXX | 1121478 | XXXX | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 1121478 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 1121348 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 1121348 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121465 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121465 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per PC CD |
| XXXX | 1121477 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121477 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121499 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 1121499 | XXXX | XXXX | Verified Doc Type | employmentIncomePage | Written Verification of Employment | 1YR Business P&L | WVOE used to verify income and employment. |
| XXXX | 1121500 | XXXX | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per Note |
| XXXX | 1121500 | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX | 1121500 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121500 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121479 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121479 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121476 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 1121476 | XXXX | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 1121273 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 1121273 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 1121442 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | 1121498 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121498 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121508 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121508 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121509 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 1121509 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 1121554 | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per appraisal |
| XXXX | 1121554 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 1121554 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 1121535 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 1121535 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 1121560 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 1121560 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 1121565 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1121576 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1115831 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per loan approval |
| XXXX | 1115831 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Per Credit Report |
| XXXX | 1115860 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 132.60 | DSCR |
| XXXX | 1115820 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 1115829 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | 1115829 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Audit confirms that lender did not provide their Attestation |
| XXXX | 1115829 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1224.55 | DSCR. |
| XXXX | 1115815 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 713.46 | DSCR |
| XXXX | 1115799 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115799 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | 1115801 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115801 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | 1115856 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 1115855 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115855 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 1115870 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115811 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 1115847 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115862 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115864 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115865 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115865 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 1115828 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115832 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115832 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 1115832 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.108 | 1.14 | Variance due to lender using higher P&I payment |
| XXXX | 1115817 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115823 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115823 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 1115823 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.677 | 1.558 | Variance due to lender using higher PITIA |
| XXXX | 1115827 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 1115827 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal. |
| XXXX | 1115835 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115835 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 1115835 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | 1115835 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.856 | 1.615 | Market Rent/PITIA, Lender DSCR Worksheet not provided |
| XXXX | 1115816 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | 1115822 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | 1115822 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.3 | 1.267 | Market Rent/PITIA, Lender DSCR Worksheet not provided |
| XXXX | 1115819 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115834 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115834 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 1115798 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115798 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | 4 Unit Condo |
| XXXX | 1115853 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 1115853 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 1115854 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 56.66 | 65.00 | Per Appraisal |
| XXXX | 1115854 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 56.66 | 65.00 | Per Appraisal |
| XXXX | 1115854 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | 1115840 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115840 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 368.44 | No DTI loan is DSCR |
| XXXX | 1120063 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 1120063 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.66 | 23.82 | Audit finds that lender used 100% ownership when calculating income, per CPA he owns 50% |
| XXXX | 1115800 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 1115866 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal report |
| XXXX | 1115809 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115809 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.797 | 1.583 | Market Rent/PITIA, Lender DSCR Worksheet not provided |
| XXXX | 1115857 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115821 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 1115845 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per Final CD |
| XXXX | 1115845 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.547 | 1.518 | Subject Property Gross Rental Income/Total Subject Housing Expense. |
| XXXX | 1115804 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 1115804 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per review of subject |
| XXXX | 1115871 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 1115814 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per citizenship documentation |
| XXXX | 1115836 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115836 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 1115836 | XXXX | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per appraisal |
| XXXX | 1115836 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per residency docs |
| XXXX | 1115836 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.014 | 1.276 | Per 1007 |
| XXXX | 1115803 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115803 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 1115850 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1115830 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 1115830 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 1120106 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120106 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 1120099 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120053 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 1120053 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | 1120172 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 1120048 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 1120048 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 1120048 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | 1120139 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120157 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120066 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per UW attestation |
| XXXX | 1120086 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 728 | 707 | Per credit report |
| XXXX | 1120058 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120058 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 1120067 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 1120101 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120101 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 1120120 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120120 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 1120104 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120104 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 1120175 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120175 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 1120175 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.22 | 44.96 | Lender applied incorrect payment on an installment loan |
| XXXX | 1120095 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 1120095 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 1120095 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Questionnaire |
| XXXX | 1120158 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120191 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120082 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 1120082 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | 1120069 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 1120069 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Audit finds condo warrantable, UW Attestation is missing |
| XXXX | 1120195 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 1120162 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120162 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | 1120142 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 1120142 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 1120142 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.452 | 1.238 | Audit matches with Lender Calculation |
| XXXX | 1120173 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 1120046 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | 1120046 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 1120057 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120057 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | Single Family Detached | per appraisal |
| XXXX | 1120112 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 1120052 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 1120163 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 1120163 | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per Appraisal |
| XXXX | 1120197 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 1120197 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 11.6 | 14.58 | Audit shows 1008 has additional monthly payments. Unable to find on Credit report or File. |
| XXXX | 1120129 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120166 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120166 | XXXX | XXXX | Property Zip Code | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120117 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120131 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 1120131 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.915 | 1.045 | As per audit, lender match |
| XXXX | 1120093 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120097 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120097 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property has 2 units |
| XXXX | 1120097 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 1120185 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 1120185 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal report |
| XXXX | 1120185 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.636 | 1.617 | Lender used different P&I payment amt |
| XXXX | 1120165 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120060 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120060 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.69 | 23.49 | Audit income is less than lenders. |
| XXXX | 1120193 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120198 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120198 | XXXX | XXXX | Occupancy | the1003Page | Primary Residence | OwnerOccupied | Per Final 1003 |
| XXXX | 1120198 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 1120198 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1120130 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 1120130 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 1120170 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 1120170 | XXXX | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | per DOT |
| XXXX | 1120170 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | 1120194 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120194 | XXXX | XXXX | Occupancy | the1003Page | Primary Residence | OwnerOccupied | Per Final 1003 |
| XXXX | 1120088 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120088 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Application |
| XXXX | 1120143 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 1120143 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 79.36 | 80.00 | Per Appraisal |
| XXXX | 1120143 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 79.36 | 80.00 | Per Appraisal |
| XXXX | 1120143 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per Final CD |
| XXXX | 1120143 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | 1120143 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.74 | 30.27 | XXXX |
| XXXX | 1120187 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 1120187 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | 1120187 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal, 2-Unit |
| XXXX | 1120161 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120161 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.81 | 40.73 | Lender double counted a credit card |
| XXXX | 1120074 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120074 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | DSCR |
| XXXX | 1120075 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 1120075 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | 1120075 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal report |
| XXXX | 1120075 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 12445.39 | DSCR |
| XXXX | 1120111 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 1120111 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Appraisal & Condo Questionnaire / detached condo not subject to review. |
| XXXX | 1120176 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120176 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 9498.33 | DSCR Loan |
| XXXX | 1120156 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 1120156 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | 1120156 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | 1120188 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 1120188 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Per Appraisal |
| XXXX | 1120188 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | XXXX | XXXX | Per docs in file, borr has no social security number |
| XXXX | 1120188 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.132 | 1.08 | Audit in line with DSCR Calculation Workshet |
| XXXX | 1120087 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 1120087 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 1120196 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 1120196 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal report, 2-Unit |
| XXXX | 1120049 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 1120049 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | 1120049 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.3

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.3 - Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 1121568 | 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 | 1395 | 7.709 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11918.31 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121497 | 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 | 2985 | 7.549 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34224.76 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121180 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 12283.75 | 7.159 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9843.38 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121256 | 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 | 10817 | 7.813 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16275.69 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121181 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10200 | 6.936 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 9019.16 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121186 | 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 | 5900 | 8.11 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 5646.87 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121198 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4890 | 6.992 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5551.6 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121191 | 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 | 6304.85 | 7.354 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10231.61 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 1121196 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 8340 | 7.34 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5132.95 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121193 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2490 | 7.984 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 7758.31 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121202 | 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 | 5390 | 7.55 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 91319.74 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121194 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 12037 | 7.482 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 7591.41 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121207 | 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 | 1121210 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11070 | 8.087 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7385.54 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121204 | 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 | 5175 | 7.219 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23581.81 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121209 | 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 | 2390 | 7.334 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26301.97 | N/A | Employed |  | No |  | No |  |
| XXXX | 1025924 | 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 | 1121211 | 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 | 4095 | 7.21 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 6668.25 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121213 | 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 | 7248 | 7.276 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3902.67 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121221 | 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 | 7555 | 7.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21917.78 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121242 | 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 | 7795 | 7.427 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3668.15 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121240 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8190 | 7.45 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2747.05 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121227 | 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 | 12115 | 7.879 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11654.28 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121237 | 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 | 9614 | 7.426 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 23796.25 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121228 | 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 | 10290 | 7.128 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 11294.45 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121243 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6865 | 7.354 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 3815.31 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121239 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4965 | 7.38 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3417.76 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121253 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8038 | 7.498 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 3593.83 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 1121241 | 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 | 5520 | 7.376 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26166.96 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121230 | 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 | 5686.01 | 7.606 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5512.38 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121231 | 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 | 6895 | 7.509 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6424.73 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121272 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6489.2 | 8.066 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4759.16 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121248 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 1091882 | XXXX | 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 | 1091825 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 5035.5 | 8.127 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4089.46 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121282 | 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 | 7888.75 | 8.729 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4651.21 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121271 | 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 | 9015 | 7.361 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11323.29 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121299 | 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 | 8590 | 7.822 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6739.45 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121300 | 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 | 6427.5 | 7.468 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5602.68 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121304 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 12525 | 7.12 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13571.04 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 1091881 | 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 | 10675 | 7.656 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46022.18 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121337 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2290 | 8.009 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 4150.77 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121335 | 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 | 10270 | 7.151 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14501.25 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121431 | 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 | 5026.25 | 7.26 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 2885.44 | N/A | Employed |  | No |  | No |  |
| XXXX | 1120044 | 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 | 1121255 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5952.5 | 7.886 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10065.82 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121349 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1067 | 7.066 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4328.93 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 1121432 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 12267 | 7.109 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7894.46 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121454 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7240 | 7.922 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6503.79 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121434 | 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 | 12795 | 7.565 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5664.91 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121458 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 18240 | 7.802 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15054.78 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121430 | 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 | 8060 | 7.28 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 10819.43 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121470 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | Yes | Yes | 28551.29 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 1121471 | XXXX | 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 | 28550.58 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 1121340 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 57745 | 7.498 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 41301.99 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121363 | 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 | 2790 | 7.789 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 54237.98 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121298 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 109503.36 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 1121424 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13011.5 | 8.231 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 4791.47 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121428 | 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 | 6493.75 | 7.412 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7955.99 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121429 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2685 | 7.404 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3365.49 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121437 | 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 | 14995 | 7.56 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | 13492.14 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121435 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4265 | 7.533 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7084.35 | N/A | Employed |  | No |  | No |  |
| XXXX | 1091883 | XXXX | 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 | 1121427 | 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 | 2345 | 7.402 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37480.68 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121466 | 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 | 80066.58 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 1121474 | 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 | 8213.47 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 1121280 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9690 | 8.182 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 5067.39 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121457 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | Yes | No | No | Yes | No | No | No | No | No | 8895 | 8.23 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11138.4 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121460 | 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 | 10791 | 7.048 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11797.31 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121478 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 57448.28 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 1121348 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11390 | 7.888 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14029.56 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121465 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10490 | 7.565 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11379.12 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121473 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 22423.36 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 1121477 | 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 | 1995 | 7.376 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11016.51 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121499 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 15245 | 7.547 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6524.12 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121500 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8845 | 7.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10818.49 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | 1121479 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 20590 | 7.626 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14965.84 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 1121476 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6485.7 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 1121273 | 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 | 2390 | 7.417 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 112025.56 | N/A | Not Employed | Employed | No | No | No |  |
| XXXX | 1121442 | 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 | 1121550 | 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 | 9625 | 7.199 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 8771.93 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121498 | 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 | 11732.5 | 7.49 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 8530.66 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121395 | 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 | 1121508 | 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 | 2495 | 7.045 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13920.16 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121509 | 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 | 12640 | 6.862 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11878.49 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121440 | 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 | 3790 | 7.865 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 4422.05 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121370 | 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 | 10015 | 7.899 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18716.99 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121554 | 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 | 5365 | 7.226 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13198.98 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121535 | 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 | 2390 | 7.273 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11164.66 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121551 | 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 | 8970 | 7.743 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10331.52 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121546 | 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 | 14195 | 7.632 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28642.67 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121561 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 12645 | 8.923 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20196.37 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121560 | 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 | 8400 | 7.945 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7452.2 | N/A | Employed |  | No |  | No |  |
| XXXX | 1121565 | 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 | 6951.32 | 7.308 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12615.91 | Yes | Employed |  | No |  | No |  |
| XXXX | 1121562 | 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 | 1121576 | 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 | 7211.06 | 7.585 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10808.48 | N/A | Employed |  | No |  | No |  |
| XXXX | 1115831 | 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 | 1115869 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 19475 | 7.389 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17216.91 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 1115860 | 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 | 1115820 | 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 | 1115829 | 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 | 1115815 | 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 | 1115799 | XXXX | 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 | Yes | Yes |  | Yes | Not Employed |  | No |  | Yes | Present |
| XXXX | 1115801 | 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 | 14434.99 | 8.581 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20316.96 | Yes | Employed |  | No |  | No |  |
| XXXX | 1115856 | 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 | 9075 | 7.728 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16294.93 | Yes | Employed |  | No |  | No |  |
| XXXX | 1115863 | 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 | 24875 | 7.419 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22802.04 | Yes | Employed |  | No |  | No |  |
| XXXX | 1115855 | 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 | Yes | Yes | 26214.25 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 1115870 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 19255 | 8.844 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21460.9 | Yes | Employed |  | No |  | No |  |
| XXXX | 1115811 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | 46049.56 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 1115847 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 14111 | 9.514 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3938.37 | Yes | Employed |  | No |  | No |  |
| XXXX | 1115862 | 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 | 25975 | 7.267 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 139023.27 | Yes | Employed |  | No |  | No |  |
| XXXX | 1115864 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 16835 | 8.278 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 31501.38 | Yes | Employed |  | No |  | No |  |
| XXXX | 1115865 | 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 | Yes | N/A | Yes | N/A | N/A | 138920.09 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 1115828 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | Yes | Yes | 11011.35 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 1115832 | 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 | 1115817 | 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 | 1115823 | 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 | 1115827 | 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 | 1115835 | XXXX | 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 | 1115842 | 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 | 1115816 | 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 | No | Yes | Present |
| XXXX | 1115822 | 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 | 1115825 | 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 | 1995 | 7.956 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 161591.72 | Yes | Employed |  | No |  | No |  |
| XXXX | 1115819 | 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 | 28248.6 | 7.921 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 35570.4 | N/A | Employed |  | No |  | No |  |
| XXXX | 1115834 | 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 | 1115798 | 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 | Yes | Yes | 6920.4 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 1115853 | 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 | 1115854 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 12625.37 | 9.84 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23814.86 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 1115840 | 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 | 1120063 | 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 | No | 33695 | 10.433 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 27497.02 | Yes | Employed |  | No |  | No |  |
| XXXX | 1115800 | 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 | 1115866 | 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 | 1115809 | 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 | 1115857 | 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 | 14995 | 7.501 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10970.1 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | 1115807 | 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 | 1115821 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4858 | 8.116 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2235.38 | Yes | Retired |  | No |  | No |  |
| XXXX | 1115845 | 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 | 1115843 | 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 | 1115804 | 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 | 21793.06 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 1115871 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 41008.97 | 7.023 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20589.29 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 1115814 | 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 |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 1115836 | 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 |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 1115803 | 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 | 1115850 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 20170 | 7.438 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38782.13 | Yes | Employed |  | No |  | No |  |
| XXXX | 1115830 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 28037.5 | 7.161 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23591.04 | Yes | Employed |  | No |  | No |  |
| XXXX | 1120105 | 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 | 1120103 | 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 | 1120106 | 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 | 1120099 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 20998.46 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 1120053 | 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 | 1120127 | 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 | 1120172 | 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 | No | 19427.86 | 10.113 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15802.07 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 1120048 | 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 | 1120092 | 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 | 1120054 | 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 | 1120139 | 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 | 1120157 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 15312.5 | 10.112 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26802.86 | N/A | Employed |  | No |  | No |  |
| XXXX | 1120066 | 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 | 1120086 | 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 | 1120058 | XXXX | 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 | 1120132 | 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 | 1120073 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | No | No | No | No | No | No | No | No | No | No | 32318.9 | 8.935 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 101808.99 | Yes | Employed |  | No |  | No |  |
| XXXX | 1120065 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 23595 | 8.659 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 22544.25 | Yes | Not Employed |  | No |  | No |  |
| XXXX | 1120067 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 8781 | 9.191 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15287.57 | N/A | Employed |  | No |  | No |  |
| XXXX | 1120101 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 1120120 | 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 | 1120104 | 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 | 1120116 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 10975 | 7.609 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3612.32 | N/A | Employed |  | No |  | No |  |
| XXXX | 1120175 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 13719.5 | 8.763 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23754.14 | Yes | Employed |  | No |  | No |  |
| XXXX | 1120121 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 20787.15 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 1120095 | 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 | 1120158 | 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 | No | Yes | Present |
| XXXX | 1120191 | XXXX | 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 | 1120082 | 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 | No | Yes | Present |
| XXXX | 1120069 | 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 | 1120110 | 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 | 1120195 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 14395 | 8.561 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14429.57 | N/A | Employed |  | No |  | No |  |
| XXXX | 1120162 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 26765 | 9.102 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12366.34 | Yes | Employed |  | No |  | No |  |
| XXXX | 1120142 | 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 | 1120173 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 30483.13 | 9.008 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 11575.88 | Yes | Employed |  | No |  | No |  |
| XXXX | 1120046 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5475 | 8.202 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10366.57 | Yes | Employed |  | No |  | No |  |
| XXXX | 1120057 | 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 | 1120112 | 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 | 1120052 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 4075 | 8.272 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2446 | Yes | Employed |  | No |  | No |  |
| XXXX | 1120163 | 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 | 1120197 | 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 | 16995 | 7.628 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 125070.29 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 1120129 | 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 | 1120166 | 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 | 1120117 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | Yes | 62851.38 | 9.192 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 38607.08 | Yes | Employed |  | No |  | No |  |
| XXXX | 1120131 | 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 | 1120093 | 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 | 1120097 | 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 | 1120185 | XXXX | 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 | 1120098 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 14524.93 | 8.23 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 5077.69 | N/A | Employed |  | No |  | No |  |
| XXXX | 1120169 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 8975 | 8.689 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19881.25 | Yes | Employed |  | No |  | No |  |
| XXXX | 1120165 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 18100 | 8.086 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 8151.04 | Yes | Employed |  | No |  | No |  |
| XXXX | 1120060 | 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 | 1995 | 7.273 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38718.82 | Yes | Employed |  | No |  | No |  |
| XXXX | 1120199 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 1120193 | 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 | 14658 | 8.493 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8118.05 | N/A | Employed |  | No |  | No |  |
| XXXX | 1120198 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 15875 | 9.371 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35178.5 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 1120130 | 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 | 1120170 | 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 | 1120194 | 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 | 14200.63 | 8.078 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12264.43 | N/A | Employed |  | No |  | No |  |
| XXXX | 1120088 | 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 | 1120143 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 20188.2 | 7.567 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12689.88 | Yes | Employed |  | No |  | No |  |
| XXXX | 1120187 | 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 | 1120161 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 27861.99 | 7.477 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16217.54 | Yes | Employed |  | No |  | No |  |
| XXXX | 1120074 | 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 | 1120075 | 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 | 1120111 | 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 | 1120176 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 1120156 | XXXX | 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 | 1120188 | 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 |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 1120087 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 36537.5 | 8.451 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12427.65 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 1120196 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 9350 | 8.494 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11634.63 | Yes | Employed |  | No |  | No |  |
| XXXX | 1120049 | 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 |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 1120070 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.3

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.3 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| XXXX | 1121568 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 1121497 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.2193 | XXXX | High | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1121180 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 64.66 | 64.66 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121256 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1121181 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121186 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.45 | 58.45 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 1121198 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 66.26 | 66.26 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 1121191 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.99 | 74.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 1121196 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 1121193 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121202 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | -.0435 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0435 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 1121194 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121207 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.0 | 50.0 | XXXX | XXXX | -.0262 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0262 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 1121210 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121204 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | -.0041 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0041 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 1121209 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 66.43 | 66.43 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 1025924 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1121211 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121213 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121221 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 1121242 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 1121240 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 66.67 | 66.67 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 1121227 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121237 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121228 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55.0 | 55.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121243 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 1121239 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121253 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 1121241 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 1121230 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 40.0 | 40.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121231 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121272 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1091882 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 59.43 | 59.43 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 1091825 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 22.03 | 22.03 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121282 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 78.27 | 78.27 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 1121271 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 1121299 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 49.18 | 49.18 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121300 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 1121304 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1091881 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 1121337 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 57.95 | 57.95 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| XXXX | 1121335 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 43.75 | 43.75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 1121431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 46.67 | 46.67 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 1120044 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 48.83 | 48.83 | XXXX | XXXX | -.0760 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0760 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1121255 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121349 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 1121432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.86 | 74.86 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 1121454 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.74 | 74.74 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1121434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121458 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |
| XXXX | 1121430 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121470 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 61.37 | 61.37 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.99 | 60.99 | XXXX | XXXX | -.0729 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0729 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 1121340 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121363 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 1121298 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 35.01 | 35.01 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 1121424 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.57 | 74.57 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 1121429 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 47.83 | 47.83 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 1121437 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 37.71 | 37.71 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1091883 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.01 | 51.01 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | 1121427 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 46.67 | 46.67 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | 1121466 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | XXXX |
| XXXX | 1121474 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121280 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121457 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | 1121460 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121478 | 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 | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1121348 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121465 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121473 | XXXX | 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 | 1121477 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 54.52 | 54.52 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | 1121499 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 53.5 | 53.5 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121500 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 1121479 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | 1121476 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 73.39 | 73.39 | XXXX | XXXX | -.0232 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0232 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 1121273 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 47.57 | 47.57 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 1121442 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 1121550 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121498 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121395 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121508 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 1121509 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55.03 | 55.03 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121440 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 27.27 | 27.27 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 1121370 | 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 | 1121554 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | 1121535 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 64.87 | 64.87 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1121551 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 1121546 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 1121561 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.96 | 69.96 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 1121560 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 1121565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 1121562 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 51.2 | 51.2 | XXXX | XXXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1121576 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 54.16 | 54.16 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1115831 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.6 | XXXX |
| XXXX | 1115869 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0585 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0585 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1115860 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 79.38 | 79.38 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.9 | XXXX |
| XXXX | 1115820 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1115829 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | 1115815 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 1115799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1115801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0732 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0732 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| XXXX | 1115856 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 1115863 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 1115855 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 62.96 | 62.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1115870 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1115811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.99 | 74.99 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.4 | XXXX |
| XXXX | 1115847 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 1115862 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.1 | XXXX |
| XXXX | 1115864 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 1115865 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0660 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0660 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1115828 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1115832 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1115817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | 1115823 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 68.89 | 68.89 | XXXX | XXXX | -.0889 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0889 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1115827 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0039 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0039 | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1115835 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 42.87 | 42.87 | XXXX | XXXX | -.0155 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0155 | 87.0 | 0.13 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1115842 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55.0 | 55.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 1115816 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1115822 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 68.32 | 68.32 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1115825 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1115819 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 78.4 | 78.4 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2 | XXXX |
| XXXX | 1115834 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.26 | 74.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1115798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | XXXX |
| XXXX | 1115853 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.79 | 69.79 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 2.4 | XXXX |
| XXXX | 1115854 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 56.66 | 56.66 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1115840 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 1120063 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 1115800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 66.08 | 66.08 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 2.3 | XXXX |
| XXXX | 1115866 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1115809 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.2917 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.2917 | XXXX | High | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | 1115857 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 45.07 | 45.07 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 1115807 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 1115821 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 34.37 | 34.37 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 1115845 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1115843 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 73.45 | 73.45 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0933 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1115804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 52.17 | 52.17 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 1115871 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1115814 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 64.36 | 64.36 | XXXX | XXXX | -.0319 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0319 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1115836 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | XXXX |
| XXXX | 1115803 | 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 | 1115850 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 31.32 | 31.32 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 1115830 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |
| XXXX | 1120105 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0060 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0060 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | 1120103 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 47.86 | 47.86 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1120106 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 57.14 | 57.14 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1120099 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 42.99 | 42.99 | XXXX | XXXX | .2195 | 1004 URAR |  |  |  |  | XXXX | XXXX | .2195 | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1120053 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.75 | 59.75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1120127 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1120172 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 2.5 | XXXX |
| XXXX | 1120048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 32.47 | 32.47 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1120092 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | 1120054 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 1120139 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 1120157 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.1 | XXXX |
| XXXX | 1120066 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 1120086 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 1120058 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 56.76 | 56.76 | XXXX | XXXX | -.0541 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0541 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | XXXX |
| XXXX | 1120132 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1120073 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | 1120065 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 1120067 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.0095 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0095 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 1120101 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 1120120 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1120104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 32.47 | 32.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1120116 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.38 | 59.38 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1120175 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 1120121 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 1120095 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 34.48 | 34.48 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 1120158 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1120191 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 1120082 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.91 | 65.91 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| XXXX | 1120069 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 73.37 | 73.37 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | 1120110 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1120195 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1120162 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1120142 | 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 | 1120173 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | 1120046 | 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 | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1120057 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 1120112 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 64.48 | 64.48 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1120052 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 33.33 | 33.33 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 1120163 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | XXXX |
| XXXX | 1120197 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | 1120129 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.4 | XXXX |
| XXXX | 1120166 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1120117 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | -.0139 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0139 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1120131 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1120093 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 1120097 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1120185 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 15.22 | 15.22 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1120098 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 79.03 | 79.03 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 1120169 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | 1120165 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2 | XXXX |
| XXXX | 1120060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 78.72 | 78.72 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 1120199 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1120193 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1120198 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 1120130 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.31 | 65.31 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | 1120170 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.23 | 59.23 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1120194 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 1120088 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1120143 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 79.36 | 79.36 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | 1120187 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1120161 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 77.38 | 77.38 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible |  |  |
| XXXX | 1120074 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.9 | XXXX |
| XXXX | 1120075 | 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 | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1120111 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 27.69 | 27.69 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1120176 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.51 | 60.51 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | 1120156 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0018 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0018 | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1120188 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0138 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0138 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1120087 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 1120196 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1120049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 64.94 | 64.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 1120070 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0359 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0359 | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |

---

## Exhibit 99.4

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.4**

![](ex994001.jpg)

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by APF II Resi O4B, LLC through a bulk purchase. The review included a total of 137 newly originated residential mortgage loans acquired through a bulk purchase, in connection with the securitization identified as HOMES 2025-NQM4 (the "Securitization"). The Review was conducted from February 2025 through June 2025 on mortgage loans originated between February 2025 and June 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

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

● Validate subject loan monthly payment (PITI) and associated obligations

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

● Validate monthly recurring liabilities

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

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Documentation meets Appendix Q requirements for QM Loans

&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

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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;

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (137 loans in total):

Ninety-eight (98) loans had CU scores of 2.5 or less or were eligible for Collateral Rep and Warranty relief.

One (1) loan had a Secondary Appraisal, seven (7) loans had an AVM, and forty-six (46) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then an additional valuation product was completed. There were zero (0) occurrences of this.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one hundred thirty-seven (137) mortgage loans reviewed, ninety-one (91) unique mortgage loans (66.42% by loan count) had a total of two hundred sixty-eight (268) discrepancies across twenty-three (23) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy**<br> **Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;62 | &nbsp;&nbsp;23.13% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;48 | &nbsp;&nbsp;17.91% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;48 | &nbsp;&nbsp;17.91% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;26 | &nbsp;&nbsp;9.70% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;14 | &nbsp;&nbsp;5.22% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;13 | &nbsp;&nbsp;4.85% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.73% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;9 | &nbsp;&nbsp;3.36% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.24% |
| &nbsp;&nbsp;Borrower 1 Origination Experian | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.49% |
| &nbsp;&nbsp;Borrower 1 Origination TransUnion | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.49% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.49% |
| &nbsp;&nbsp;Borrower 1 Origination Equifax | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.49% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.12% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.12% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.75% |
| &nbsp;&nbsp;Gross Rent | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.75% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.37% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;Borrower 2 Origination Equifax | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;Borrower 2 Origination TransUnion | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**268** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of<br> Sample |
| Event Grade A | 120 | &nbsp;&nbsp;&nbsp;&nbsp;$57160600.00 | 87.59% |
| Event Grade B | 17 | $7462143.00 | 12.41% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 137 | $64622743.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 131 | 95.62% |
| Event Grade B | 6 | 4.38% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 137 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 69 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 69 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 69 loans within population did not receive a Compliance Review):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 62 | 91.18% |
| Event Grade B | 6 | 8.82% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 68 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 132 | 96.35% |
| Event Grade B | 5 | 3.65% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 137 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;47 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Findings | &nbsp;&nbsp;45 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Credit Report Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Credit Report is Expired | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Closing Protection Letter Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR: Current Employment Not Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Property Tax Cert | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Potential Employment/income Issues identified in the file | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Executed 4506-T Missing | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 2 CPA Letter Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 2 Credit Report is Expired | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Flood Insurance Minimum Coverage Not Met | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Flood Insurance Policy Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***137*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Overdraft/NSF Count Exceeds Tolerance | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Minimum Loan Amount Not Met | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive Cash-Out Refinance | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Unacceptable Mortgage History | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***7*** |
| &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;41 |
| &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Missing Credit Score Disclosure (FACTA) | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;TRID: Missing Loan Estimate | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***65*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***6*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;64 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No HOA fees on appraisal and property identified as a PUD | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property flood zone reflects property is in a Flood Zone but Special Flood Zone is marked No | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Condo Approval Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Post Disaster Inspection Report not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Market Rent - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;HOA Does Not Meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***79*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Market Rent - Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property – Square Footage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***5*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.4

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.4 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 1095285 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 03/17/2025 | Resolved | XXX | Property | Property flood zone reflects property is in a Flood Zone but Special Flood Zone is marked No | Property flood zone of AE reflects property is in a flood zone but Special Flood Zone is marked No | Document Uploaded. | 03/18/2025 | Flood zone is properly labeled. | 04/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D B | A D B | A D B | A D B | A D B | A | A | A | A | A | A |
| 1095285 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 03/17/2025 | Resolved | XXX | Credit | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy The Master Association Insurance Policy was not found in the produced file. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 04/16/2025 | HO-XXX Master Insurance Policy is fully present; This is the Flood Insurance and HOI for the individual unit. The subject is a Condo. Please provide the HOA/Master Insurance policy that covers the entire condo project and confirms $XXX in liability coverage, entire building coverage, and XXX/Bond coverage. Thank you.; Subject is a Condo. Please provide Master Condo/Association Insurance Policy. Thank you. | 04/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D B | A D B | A D B | A D B | A D B | A | A | A | A | A | A |
| 1095285 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 03/17/2025 | Resolved | XXX | Credit | Missing Property Tax Cert | Missing Property Tax Cert The current tax bill for the subject property was not found in the file. Schedule E from the XXX tax returns indicates that the amount used to qualify is appropriate but the exact figure needs to be verified. | Document Uploaded. | 03/19/2025 | Property Tax Cert Provided | 03/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D B | A D B | A D B | A D B | A D B | A | A | A | A | A | A |
| 1095285 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 03/17/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D B | A D B | A D B | A D B | A D B | A | A | A | A | A | A |
| 1095285 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 03/14/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D B | A D B | A D B | A D B | A D B | A | A | A | A | A | A |
| 1115379 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/14/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). The Appraisal delivery date of XX/XX/XXXX is less than XXX business days prior to the consummation date of XX/XX/XXXX. | Document Uploaded. | 03/18/2025 | Evidence of appraisal delivery provided. | 03/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 1115379 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/14/2025 | Acknowledged | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraiser States subject property has deferred maintenance that exceeds guideline maximum of $XXX. Exception in file to allow as borrower is a contractor. | GM. Can we please upld grade the staus and grade or advise what is needed to clear. thanks | 03/18/2025 | Lender exception for $XXX deferred maintenance approved by XXX on XX/XX/XXXX. | 03/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 1115379 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/14/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 1112259 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/18/2025 | Resolved | XXX | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). The FACTA disclosure is missing. | Document Uploaded. FACTA disclosure provided. | 03/27/2025 | FACTA Credit Score Disclosure is provided. | 03/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 1112259 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/18/2025 | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | The tax and insurance cost for the departure home, which is being retained, have not been documented. | Document Uploaded. Depature residence was sold, HUD from sale provided. | 03/27/2025 | Departure residence sold XXX month prior to subject transaction. Net proceeds were deposited. Condition cleared. | 03/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 1112259 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/18/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 1115374 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/19/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1115374 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/19/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1115374 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/20/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1112275 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 03/19/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1112275 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 03/19/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1112275 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 03/19/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1112258 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 03/20/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1112258 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 03/20/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1112258 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 03/20/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1112255 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/21/2025 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Third party confirmation that the business is active and in good standing as of XXX days pre-closing is not in file. A business search is in file but it is not dated. | Document Uploaded. Uploaded SOS lookup - dated at bottom of page. | 03/27/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 03/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1112255 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/21/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1112255 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/21/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1112257 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 03/21/2025 | Acknowledged | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: The subject property is XXX acres. Per Lender GLs XXX-A maximum of ten (XXX) acres is allowed, however parcels not exceeding twenty (XXX) acres may be considered if it is typical for the area and value/marketability is supported with appraisal comparables of similar acreage. The subject property does not meet the guideline requirements. | Document Uploaded. Uploaded CRSE for acreage exception. | 03/28/2025 | Lender Exception for XXX acre parcel vs. max XXX acre parcel approved by XXX on XX/XX/XXXX indicating acreage bracketed and value supported. | 03/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1112257 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 03/21/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1112257 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 03/21/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1112264 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/22/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1112264 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/21/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1112264 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/21/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1112274 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/24/2025 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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 §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originXXX disclosed under §XXX(e) (XXX) (i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Condo Questionnaire. Condo Questionnaire increased on CD dated XX/XX/XXXX without a valid COC. | Document Uploaded. ; lender credit given | 04/02/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Lender credit on the CD signed at consummation does not specify a cure was provided therefore it cannot be used to apply to a tolerance violation | 04/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1112274 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/24/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1112274 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/24/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1112270 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/25/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1112270 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/25/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1112270 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/25/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1112271 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 04/02/2025 | Acknowledged | XXX | Compliance | Regulation § XXX(c) (XXX) (vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | Regulation § XXX(c) (XXX) (vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. Lender Exception to exclude debts paid by the business when utilizing the business bank Statement program approved by XXX on XX/XX/XXXX. | XXX FICO; Borrower with Employer XXX+ years; Reserves of XXX months; Residual Income of $XXX; XXX | 04/02/2025 |  | 04/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1112271 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/26/2025 | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Debt intended to be paid does not appear on final CD as a payout. | Document Uploaded. Please see my LOX regarding debts the UW omitted due to the business paying them. I also uploaded a CRSE for the exception for allowing the omission of business debt on a bank Statement loan. DTI is XXX%. | 04/02/2025 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 04/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1112271 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/26/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Expired | Borrower 1 Credit Report is Expired (Greater than XXX days from the Closing Date). Gap report dated XX/XX/XXXX is in file. | Document Uploaded. Uploaded XXX credit report. | 04/02/2025 | Borrower 1 Credit Report is not Expired. | 04/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1112271 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/26/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) 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 legXXX make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) 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 legXXX make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | 03/27/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1112271 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/26/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/27/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1115376 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/28/2025 | Resolved | XXX | Compliance | TRID: Missing Loan Estimate | Per the disclosure tracker in the file, revised LE issued XX/XX/XXXX was issued to the borrower but not in the loan file. | Document Uploaded. | 04/01/2025 | LE dated XX/XX/XXXX provided; exception resolved | 04/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 1115376 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/28/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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 §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originXXX disclosed under §XXX(e) (XXX) (i). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of refund check, and Proof of Delivery or Valid COC. The tolerance is due to increase Discount Point Fee on the CD issued XX/XX/XXXX. | Document Uploaded. | 04/01/2025 | Valid COC and LE provided; Exception resolved; Valid COC and LE provided; Exception resolved | 04/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 1115376 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/28/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 1115376 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 03/28/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 1124205 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 04/02/2025 | Resolved | XXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Subject is located in a declining market. Marketing time of less than or equal to XXX months requires a XXX% reduction resulting in a max CLTV of XXX%. Using previous list price of $XXX results in a CLTV of XXX%. |  |  | Audited CLTV of XXX% is less than or equal to Guideline CLTV of XXX% | 04/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1124205 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 04/02/2025 | Resolved | XXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Subject is located in a declining market. Marketing time of less than or equal to XXX months requires a XXX% reduction resulting in a max HLTV of XXX%. Using previous list price of $XXX results in a HLTV of XXX%. |  |  | Audited HLTV of XXX% is less than or equal to Guideline HCLTV of XXX% | 04/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1124205 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 04/02/2025 | Resolved | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Subject is located in a declining market. Marketing time of less than or equal to XXX months requires a XXX% reduction resulting in a max LTV of XXX%. Using previous list price of $XXX results in a LTV of XXX%. |  |  | Audited LTV of XXX% is less than or equal to Guideline LTV of XXX% | 04/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1124205 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 04/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 04/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1124205 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 04/02/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 04/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1112272 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 04/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 04/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1112272 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 04/02/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 04/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1112272 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 04/02/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 04/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124206 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 04/19/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 04/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124206 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 04/19/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 04/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124206 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 04/18/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 04/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124204 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/08/2025 | Resolved | XXX | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines The condo project has been identified as being in litigation. According to the court documents, it cannot be determined if the litigation is deemed minor and/or not material. | Document Uploaded. | 05/13/2025 | HOA Meets Guidelines | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1124204 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/08/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 05/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1124204 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/08/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 05/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 1124221 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/16/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing evidence of taxes and insurance on all REO. | Document Uploaded. ; XXX / Commerical property - XXX - no mtg-in spouse name - XXX / no mtg | 05/20/2025 | ; We apologize for the confusion. For clarity the file reflected the following info yet documentation was missing to confirm: XXX) Final 1003 indicates Borrower as owner/primary residence of XXX XXX and $XXX per month in taxes/insurance are reflected as being paid by the Borrower in the REO section and on the XXX yet we are missing current HOI as listed on XXX and HOA (if applicable). XXX) Final 1003 indicates XXX as an investment property with $XXX per month in taxes and insurance yet proof owned free and clear, taxes, insurance, and HOA (if applicable) are missing. XXX) The Final 1003 reflects XXX as an investment property with $XXX per month in taxes and insurance yet proof it is a commercial property (or owned free and clear) , and taxes, insurance, HOA (if applicable) are missing. Please provide the documentation to verify the amounts as reflected on the Final 1003 and final XXX. Thank you. | 05/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1124221 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/16/2025 | Resolved | XXX | Credit | Approval/Underwriting Summary PartiXXX Provided | Approval/Underwriting Summary PartiXXX Provided. File missing XXX | Document Uploaded. | 05/19/2025 | Approval/Underwriting Summary is fully present; Material Finding | 05/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1124221 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/15/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 05/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1124221 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/16/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 05/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1124219 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/16/2025 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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 §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originXXX disclosed under §XXX(e) (XXX) (i). TILA 130b cure required: Refund in the amount of $XXX The zero tolerance violation in the amount of $XXX is due to an increase in the Appraisal fee that increased on the LE issued XX/XX/XXXX. Per the Invoice dated XX/XX/XXXX the vender's fee of $XXX was paid by the borrower XX/XX/XXXX. | Document Uploaded. Uploaded all cure docs. | 05/23/2025 | Cure package provided, exception downgraded to a 2/B; Cure package provided, exception downgraded to a 2/B; This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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 §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originXXX disclosed under §XXX(e) (XXX) (i).; This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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 §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originXXX disclosed under §XXX(e) (XXX) (i).; Cure package provided, exception downgraded to a 2/B; This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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 §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originXXX disclosed under §XXX(e) (XXX) (i).; This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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 §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originXXX disclosed under §XXX(e) (XXX) (i).; Cure package provided, exception downgraded to a 2/B; This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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 §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originXXX disclosed under §XXX(e) (XXX) (i).; This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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 §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originXXX disclosed under §XXX(e) (XXX) (i). | 05/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1124219 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/16/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 05/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1124219 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/16/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 05/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1124218 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/19/2025 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The lender requires a Verbal Verification of Employment to be completed within XXX days of the closing date. The file is missing the required Verbal Verification of Employment. | Document Uploaded. | 05/21/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 05/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1124218 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/17/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 05/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1124218 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/19/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 05/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1124208 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/20/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Expired | Borrower 1 Credit Report is Expired (Greater than XXX days from the Closing Date). Gap report pulled XX/XX/XXXX | Document Uploaded. Uploaded credit report for B1 - includes the Credit Score Disclosure. | 05/27/2025 | Borrower 1 Credit Report is not Expired. | 05/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 1124208 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/20/2025 | Resolved | XXX | Credit | Borrower 2 Credit Report is Expired | Borrower 2 Credit Report is Expired (Greater than XXX days from the Closing Date). Gap report pulled XX/XX/XXXX | Document Uploaded. Uploaded credit report for B2 - includes the credit score disclosure. | 05/27/2025 | Borrower 2 Credit Report is not Expired. | 05/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 1124208 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/20/2025 | Resolved | XXX | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). The FACTA disclosure is missing. | I uploaded the XXX credit reports for both borrowers. The Credit Score disclosure is included in those uploads. | 05/27/2025 | FACTA Credit Score Disclosure is provided. | 05/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 1124208 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/20/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) 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 legXXX make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) 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 legXXX make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | 05/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 1124208 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/20/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 05/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 1124214 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/20/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 05/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124214 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/20/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 05/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124214 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/20/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 05/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124213 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/21/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 05/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124213 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/21/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 05/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124213 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/22/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 05/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122538 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/21/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 05/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122538 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/21/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 05/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124217 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/22/2025 | Rescinded | XXX | Credit | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified Borrower is the owner of a restaurant in addition to the wine import business per the CPA letter. If the restaurant is operating at a loss the borrower may not be qualified for the subject mortgage. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124217 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/22/2025 | Rescinded | XXX | Credit | Potential Employment/income Issues identified in the file | Borrower is the owner of a restaurant in addition to the wine import business per the CPA letter. If the restaurant is operating at a loss the borrower may not be qualified for the subject mortgage. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124217 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/22/2025 | Rescinded | XXX | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered Borrower is the owner of a restaurant in addition to the XXX business per the CPA letter. If the restaurant is operating at a loss the borrower may not be qualified for the subject mortgage. | GM. Can you please advise what is needed to clear these three conditions? thanks , | 05/28/2025 |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124217 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/22/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 05/27/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124217 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/22/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 05/27/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122534 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/27/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122534 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/27/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122534 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/27/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122529 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/27/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Final 1003 States the borrower is responsible for $XXX a month in insurance, taxes, and or HOA payment property XXX XXX. The loan file is missing verification of the $XXX a month. | Document Uploaded. | 05/30/2025 |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1122529 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/27/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1122529 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/27/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1122536 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 05/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122536 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/29/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 05/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122536 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/28/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 05/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122532 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/29/2025 | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | The file contains neither mortgage Statements nor tax and insurance invoices for any of the borrowers' properties except the subject. The carrying cost for the primary residence and three (XXX) non-owner occupied properties have not been properly documented. | Document Uploaded. ; Document Uploaded. Regarding XXX, I am uploading the info for this property (this is already in the file so you might not need it again). This property is owned by XXX, a company owned by the borrower. This property is technicXXX not required to be listed on the XXX/REO section since not owned by the borrower personXXX. The UW did include it though since funds from the cash out loan on that property are being used for this transaction. This was only included as a conservative approach, again, not required. Since it's not required, the taxes, ins, and HOA would not be required to be in the file or included in the DTI. Lastly, I am including the Zillow lookup for XXX showing the HOA dues are $XXX or $XXX per month. I have added the HOA do the XXX. See uploaded corrected XXX/XXX.; The $XXX 2nd lien is on the credit report and confirms the XXX payment. The Fraud report shows that this $XXX mortgage taken out XXX/XXX is matched to the XXX property. Nothing further is needed. The XXX/XXX property is a commercial property owned by the borrower's business. I am including a SiteX report showing the owner is XXX. Because of this, the property is not required to be listed on the XXX in the REO section and the mortgage does not need to be on the XXX either. I have removed it since not owned by borr personXXX. See updated XXX/XXX.; Document Uploaded. | 06/04/2025 | ; Thank you for providing the information attached, however, we appear to still be missing some documentation. For clarity, this is what we still need: 2nd lien info for $XXX loan on XXX confirming $XXX per month payment as listed on the Final 1003; Taxes and Insurance for XXX-XXX XXX; Taxes, HOI, and HOA (if applicable) for XXX; and HOA (if applicable) for XXX. Thank you. | 06/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1122532 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/29/2025 | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing B2 employment was not reverified within XXX days of closing as required by guidelines. | Document Uploaded. Final VOE provided | 06/02/2025 | Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (Number of Borrowers equals XXX) | 06/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1122532 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/29/2025 | Resolved | XXX | Credit | Flood Insurance Minimum Coverage Not Met | Flood Insurance Coverage Amount does not meet minimum required coverage amount There is no evidence of flood insurance found in the file. The property is in Flood Zone XXX and does require flood coverage. | Document Uploaded. | 06/02/2025 | Flood Insurance Minimum Coverage Amount is met | 06/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1122532 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/29/2025 | Resolved | XXX | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy | Document Uploaded. Flood insurance coverage provided | 06/02/2025 | Flood Insurance Policy is fully present | 06/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1122532 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 05/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1122532 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/28/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 05/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1122531 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/29/2025 | Acknowledged | XXX | Credit | Borrower 1 Gap Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The Gap Credit Report pull date: (XX/XX/XXXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XX/XX/XXXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The Lender requires a GAP Credit Report pulled within XXX days of the Note date. The Lender Credit Report is dated XX/XX/XXXX and the Note date is XX/XX/XXXX. Provide a GAP Credit Report dated within XXX days of the Note date. | Document Uploaded. CRSE provided to waive condition. | 05/30/2025 | Lender Exception for GAP report dated XXX days prior to closing vs. XXX approved by XXX on XX/XX/XXXX. | 06/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1122531 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 05/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1122531 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/28/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 05/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1122533 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/31/2025 | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (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 §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% 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 §XXX(e) (XXX) (i) by more than XXX 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 §XXX(e) (XXX) (vi). TILA 130b Cure required: Cure of $XXX required for charges that in total cannot increase more than XXX%. The borrower did not shop for title services and the following fees were added: Attorney Fee of $XXX, Settlement fee of $XXX, Endorsement fee of $XXX, Tax Certification fee of $XXX, Tax Search Fee of $XXX; the following fees increased: Survey Fee by $XXX. Cure requires PCCD, LOE, copy of refund check, and proof of mailing or valid COC. | Document Uploaded. ; Hi can you pls re-confirm the refund is $XXX? Thanks; Document Uploaded. Hi, can you give an example of an acceptable COC for title fee increases? I looked at the COC and it the same COC we have done for XXX years and we never had an issue; Hi, Pls re-review....The only fees the XXX% tolerance applies to should be fees charged by PGP Title. There was a COC done on XXX/XXX that showed the settlement fees changed. Pls advise | 06/11/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Yes the cure amount is $XXX; A document for increase to title fees cannot simply list the fee that has changed, it has to have a valid reason for a fee to increase and that reasoning may change depending on the fee being charged. It is expected that a lender provide a good faith estimate of fees when indicating the settlement agent that the borrower can choose or shop for their own. To comply with the COC requirements and rebaseline fee amounts, TPRs will look to the COC documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The COC documentation, at a minimum, should include: XXX) The original estimate of the cost (can be documented through fee amounts disclosed on the initial LE) ; XXX) specific reason for the revision and how it impacted the specific fee(s) that increased; XXX) the revised amount (can be documented through fee amounts disclosed on the revised LE/CD but increase must correspond with actual change resulting from documented COC and only fees related to the specific COC are considered for rebaseline) ; and XXX) the date of the changed circumstance (i.e. the date the creditor received information sufficient to establish that one of the reasons for revision provided under § XXX(e) (XXX) (iv) (A) through (F) has occurred) ; Updated cure amount to $XXX. The survey and attorney fee were removed from the XXX% tolerance. All COCs in file do not give a valid reason for the title fees to increase and a receipt of an invoice is not a valid reason. ; This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% 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 §XXX(e) (XXX) (i) by more than XXX 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 §XXX(e) (XXX) (vi). | 06/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1122533 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/30/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1122533 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/30/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1122535 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/02/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122535 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/30/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 06/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122535 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 05/30/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124224 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/03/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124224 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/03/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124224 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122756 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/02/2025 | Resolved | XXX | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). The FACTA disclosure is missing. | Document Uploaded. | 06/05/2025 | FACTA Credit Score Disclosure is provided. | 06/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 1122756 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/03/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 1122756 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/03/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 1122751 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/03/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122751 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/03/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122751 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/03/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124225 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/03/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Bank Statement Income Worksheet reflects the borrower was qualified using the XXX to XXX XXX bank Statements for account #XXX. The file is missing the XXX and XXX bank Statement. Provide the XXX and XXX bank Statements for account #XXX. | Document Uploaded. | 06/05/2025 | Income and Employment Meet Guidelines | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1124225 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/03/2025 | Acknowledged | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. The file is missing XXX months bank Statements. Per the Bank Statement Income Worksheet the borrower has a total of XXX NSF's. CRSE approved exception to guidelines. Exception Type-Other. Guidelines NSF/OD: XXX in the past XXX months - XXX. Actual NSF XXX-XXX Months: XXX. Rational NSF approved by XXX XXX XXX. Granted By/Date: XXX on XX/XX/XXXX. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1124225 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/03/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 1122761 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/03/2025 | Resolved | XXX | Credit | Borrower 2 CPA Letter Missing | Borrower 2 CPA Letter Missing Guidelines require either a CPA letter or some other documentation to establish the percentage of ownership the borrower has in the business being used to determine the qualifying income. In this instance, the less-than-standard expense ratio must also be documented by a CPA. The file is lacking supporting documentation for both ownership and expense percentages. | Document Uploaded. | 06/09/2025 | Borrower 2 CPA Letter Provided or XXX (Number of Borrowers equals XXX) | 06/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 1122761 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/02/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eConsent disclosure is missing. | Document Uploaded. | 06/05/2025 | E consent provided, exception resolved; Evidence of eConsent is provided. | 06/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 1122761 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/03/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 1122758 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/05/2025 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. The file documented $XXX in verified assets. The borrower needed $XXX for closing, leaving $XXX for reserves. The lender requires XXX months or $XXX for reserves. The borrower is $XXX short for reserves. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. upld is what we have. can you please send me your calculations | 06/18/2025 | Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX.; It appears the XXX accounts were used to qualify, however, they were not listed on the Final 1003, therefore, were not considered at the time of our review. Please provide an updated Final 1003 reflecting the XXX accounts and we will re-review the assets/reserves. Thank you.; Hi there. Here are our calculations: XXX #XXX XX/XX/XXXX $XXX; XXX #XXX XX/XX/XXXX $XXX; Net proceeds $XXX = $XXX - $XXX funds to close = $XXX remaining. XXX = $XXX so we are short $XXX. | 06/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1122758 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/05/2025 | Resolved | XXX | Credit | Guideline Seasoning not Met | The required number of are to be seasoned does not meet Guideline requirement. The file documented $XXX in verified assets. The borrower needed $XXX for closing, leaving $XXX for reserves. The lender requires XXX months or $XXX for reserves. The borrower is $XXX short for reserves. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. wire was for $XXX and $XXX earnest money. what are your calculations | 06/18/2025 | The required number of are to be seasoned does meet Guideline requirement.; It appears the XXX accounts were used to qualify, however, they were not listed on the Final 1003, therefore, were not considered at the time of our review. Please provide an updated Final 1003 reflecting the XXX accounts and we will re-review the assets/reserves. Thank you.; Hi there. Here are our calculations: XXX #XXX XX/XX/XXXX $XXX; XXX #XXX XX/XX/XXXX $XXX; Net proceeds $XXX = $XXX - $XXX funds to close = $XXX remaining. XXX = $XXX so we are short $XXX. | 06/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1122758 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/05/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1122758 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/05/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 06/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1124226 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/06/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124226 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/06/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124226 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/06/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 06/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122791 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/06/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122791 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/06/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124239 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/09/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124239 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/09/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124239 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/06/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 06/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124229 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/06/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 06/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124229 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/06/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124229 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/06/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122755 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/05/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML loan with established escrows and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) 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 legXXX make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML loan with established escrows and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) 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 legXXX make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1122755 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/05/2025 | Cured | XXX | Compliance | Charges That Cannot Increase Test | TILA 130b cure required: Refund in the amount of $XXX The zero tolerance violation in the amount of $XXX is due to an increase in Transfer Taxes from the LE to CD; Need evidence of a valid COC, PCCD or proof of refund check to the borrower in the amount of $XXX. This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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 §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originXXX disclosed under §XXX(e) (XXX) (i). | Document Uploaded. | 06/16/2025 | Cure package provided to borrower; exception downgraded to a 2/B | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1122755 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/06/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is PartiXXX Present. Per Lender guidelines All borrowers must have a valid credit score from at least XXX of the three agencies. Credit report provided only one credit score | Document Uploaded. | 06/12/2025 | Borrower 1 Credit Report is not partiXXX present. | 06/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1122755 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/09/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1124216 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/06/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of no HOA payments for XXX and XXX. Provide proof the properties do have any HOA payments. | Document Uploaded. | 06/12/2025 |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1124216 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/06/2025 | Resolved | XXX | Credit | Purchase Contract is Incomplete | is Purchase but Purchase Contract Doc is Incomplete The Final C.D. reflects a Seller Credit of $XXX. The Purchase Contract in file does not reflect a $XXX Seller Credit. Provide a Purchase Contract Addendum adding a $XXX Seller Credit. | Document Uploaded. | 06/12/2025 | Purchase Contract Doc is complete.; Material Finding | 06/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1124216 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/06/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1124216 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/06/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1124179 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/06/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124179 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/06/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124179 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/06/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122752 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/09/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122752 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/09/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122752 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/05/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 06/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124222 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/10/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124222 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/10/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122749 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/10/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The lender required the Final CD for AO loans ending #XXX & XXX. The file is missing the required Final C.D's. Missing proof of HOA payments for XXX, XXX and XXX. The file is missing proof of HOA payments or documentation to verify that there are no HOA fees. | Document Uploaded. | 06/12/2025 |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1122749 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/10/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1122750 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/05/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) 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 legXXX make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) 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 legXXX make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | 06/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122750 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/06/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122750 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/06/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122753 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/11/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122753 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/10/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122753 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/10/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122759 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/09/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) 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 legXXX make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML Compliant | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122759 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/09/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122759 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/09/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124220 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/09/2025 | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (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 §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% 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 §XXX(e) (XXX) (i) by more than XXX 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 §XXX(e) (XXX) (vi). The loan failed charges that cannot increase more than XXX%. TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of $XXX is due to increase in title fees. COC in file did not provide a reason for the increase. | Document Uploaded. ; Hey. On XXX/XXX fees decreased and lender credit was given. Can you pleaese take another look? thanks | 06/18/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; The lender credit listed in section J does not indicate a cure amount on either the initial or final CD | 06/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1124220 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/09/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1124220 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/09/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 1122757 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/11/2025 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Missing page one of Final 1003 | Document Uploaded. | 06/12/2025 | The Final 1003 is Present | 06/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1122757 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/11/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 06/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1122757 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/11/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 1124223 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124223 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124223 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 06/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122754 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/11/2025 | Resolved | XXX | Compliance | Regulation § XXX(c) (XXX) (vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | Regulation § XXX(c) (XXX) (vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. Need proof property located at XXX NW XXX St is free and clear | Document Uploaded. | 06/16/2025 | The consumer's current debt obligations, alimony, and child support or other debt obligations were confirmed. | 06/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 1122754 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/11/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Missing broker credit report | we used XXX credit for qualifying. | 06/16/2025 | Borrower 1 Credit Report is not missing. | 06/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 1122754 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due the missing LE dated XX/XX/XXXX. The discount points increased on the CD dated XX/XX/XXXX without a valid COC. There is a COC for XXX/XXX but no disclosure in file to go with that COC This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originXXX disclosed under §XXX(e) (XXX) (i). | Document Uploaded. | 06/13/2025 | Valid COC and LE dated within XXX days provided; exception resolved; Valid COC and LE dated within XXX days provided; exception resolved | 06/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 1122754 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 1124183 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originXXX disclosed under §XXX(e) (XXX) (i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The Tolerance violation in the amount of $XXX is due to Decrease from $XXX to $XXX for the Lender Credit on CD XX/XX/XXXX. COC provided on page XXX is dated XX/XX/XXXX showing the Credit Decrease. Disclosure Tracking Summary on page XXX shows a Revised LE was sent XX/XX/XXXX. File is missing the Revised LE sent XX/XX/XXXX. | Document Uploaded. | 06/13/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 06/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1124183 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1124183 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1124185 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Rescinded | XXX | Property | No HOA fees on appraisal and property identified as a PUD |  | Document Uploaded. | 06/18/2025 | Property not in a PUD per appraisal or mortgage. Condition rescinded. | 06/19/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124185 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/13/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124185 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 06/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124185 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124198 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Rescinded | XXX | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. Missing comments from appraiser on disaster or missing disaster cert |  |  | Appraisal is dated post disaster. No comments about any repairs listed in appraisal report. Condition rescinded. | 06/18/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124198 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Rescinded | XXX | Property | Condo Approval Missing | Condo Approval Missing. Missing condo approval from XXX | The CRSE States this is a XXX condo. The Condo Questionnaire is in the file. Let me know what you are looking for. | 06/17/2025 | ; Material Finding | 06/18/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124198 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/13/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 06/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124198 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124181 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 06/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124181 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124181 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124186 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/18/2025 | Rescinded | XXX | Credit | Borrower 1 Executed XXX-T Missing | Borrower 1 Executed XXX-T Missing The loan file is missing the Signed 4506T. | This is a bank Statement loan. Tax returns are not required therefore a signed 4506T is not required. Please waive. | 06/19/2025 |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124186 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/18/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124186 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/13/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 06/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124187 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/13/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124187 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/13/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124187 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/13/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124191 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/13/2025 | Resolved | XXX | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation required to clear exception: Missing Credit Score Disclosure (FACTA). | Document Uploaded. | 06/20/2025 | FACTA Credit Score Disclosure is provided. | 06/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 1124191 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/18/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 1124191 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/18/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 1124177 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Resolved | XXX | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). The FACTA is missing. | Document Uploaded. | 06/20/2025 | FACTA Credit Score Disclosure is provided. | 06/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 1124177 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) 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 legXXX make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) 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 legXXX make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | 06/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 1124177 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/18/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 1124177 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/18/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 1124200 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/13/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) 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 legXXX make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) 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 legXXX make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | 06/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124200 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/18/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124200 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/18/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124201 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | 06/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124201 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/12/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) 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 legXXX make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) 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 legXXX make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | 06/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124201 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/18/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124201 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/18/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1124188 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/14/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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 §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originXXX disclosed under §XXX(e) (XXX) (i). TILA 130b cure required: Refund in the amount of $XXX The zero tolerance violation in the amount of $XXX is due to an increase in loan Discount Points and addition of the Final Inspection fee from the LE to CD. The revised LE issued on XX/XX/XXXX is missing. Please provide the missing Loan Estimate, PCCD or proof of refund check to the borrower in the amount of $XXX. | Document Uploaded. | 06/17/2025 | LE dated within XXX days of the COC provided; Exception resolved; LE dated within XXX days of the COC provided; Exception resolved | 06/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1124188 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/16/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1124188 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/16/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 1125071 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/19/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) 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 legXXX make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) 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 legXXX make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | 06/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125071 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/19/2025 | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | 06/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125071 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/19/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Information Only | 06/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125071 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/19/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Information Only | 06/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125074 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/19/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Information Only | 06/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125074 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/19/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Information Only | 06/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1125074 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | 06/20/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Information Only | 06/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1122769 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/11/2025 | Acknowledged | XXX | Property | Market Rent - Missing or Defective | form 1007 documenting market rent does not support the tape value of $XXX per month. Comparable values are around $XXX and the appraiser provides a final value of $XXX per month | XXX/XXX: CRSE |  | XXX: Received | 06/02/2025 | FICO XXX, LTV XXX%, XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 1122789 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/11/2025 | Acknowledged | XXX | Property | Market Rent - Missing or Defective | form 1007 documenting market rent does not support the tape value of $XXX per month. Comparable values are around $XXX and the appraiser provides a final value of $XXX per month | XXX/XXX: CRSE |  | XXX: Received | 06/02/2025 | LTV XXX%, FICO XXX, months resrves XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 1122539 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/21/2025 | Cleared | XXX | Credit | Credit Report Missing or Defective | Credit report in file provides only one score from Experian. Please provide updated report that provides a minimum of XXX credit scores. | XXX/XXX: Credit report |  | XXX: Received | 05/23/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122772 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/28/2025 | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter (CPL) | XXX/XXX: CPL |  | XXX: Received | 05/30/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 1122772 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/28/2025 | Acknowledged | XXX | Credit | Insufficient Assets for Reserves | Audited Reserves of XXX month(s) are less than Guideline Required reserves of XXX month(s) | XXX/XXX: CRSE XXX/XXX:Hey. Can you please send me your calculations for the two open conditiions? thanks, |  | XXX: Exception approval received XXX: There is only one bank account in file ending in #XXX reflecting $XXX | 06/10/2025 | FICO XXX, DSCR XXX, XXX B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 1122772 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/28/2025 | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max allowed | XXX/XXX: CRSE XXX/XXX: Hey. Can you please send me your calculations for the two open conditiions? thanks, |  | XXX: Exception approval received XXX: No cash out transaction in a declining market is XXX% LTV | 06/10/2025 | FICO XXX, DSCR XXX, XXX B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 1122545 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/30/2025 | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX/XXX: CDA |  | XXX: Received | 06/04/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122545 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/30/2025 | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Hazard insurance policy is missing policy number. Please provide the updated hazard insurance | XXX/XXX: Hazard insurance |  | XXX: Received | 06/05/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122545 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/30/2025 | Cleared | XXX | Credit | Credit Report Missing or Defective | XXX Days age of credit report > XXX days max allowed. Provide updated credit report for borrower XXX and Co borrower XXX | XXX/XXX/: Credit report |  | XXX: Received | 06/04/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122544 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/02/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/02/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122787 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/02/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/02/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122540 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/02/2025 | Cleared | XXX | Property | Market Rent - Missing or Defective | Missing XXX for subject property: XXX | XXX/XXX: market rent uploaded XXX/XXX: Hi, you have the Operating Income Statement w/the Appraisal isn't that sufficient? |  | XXX: Market rent received XXX: There must be a market rent source in file reflecting monthly rent. | 06/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122543 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/02/2025 | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Hazard insurance policy in file is located at a different property. Please provide updated HOI policy for the subject property: XXX XXX. | XXX/XXX: Hazard |  | XXX: Received | 06/06/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122764 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/02/2025 | Acknowledged | XXX | Credit | Excessive XXX | Cash to Borrower $XXX > $XXX max limit allowed for XXX% LTV as per guides | XXX/XXX: CRSE |  | XXX: Exception approval received | 06/11/2025 | FICO XXX, XXX, experienced investor B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 1124232 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/02/2025 | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Missing Articles Of Organization for XXX | XXX/XXX: Uploaded SOS - is that what you need to show bus is active? XXX/XXX: Uploaded Operating Agreement - confirms borr is XXX% owner. |  | XXX: Evidence of existence received XXX: Articles of organization needs to be provided. Please provide documentation | 06/09/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122546 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/02/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/02/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124231 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/02/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/02/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124230 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/02/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/02/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124207 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/04/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/04/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122766 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/04/2025 | Cleared | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max allowed | XXX/XXX: Appears LTV is allowed to XXX% for cash out with XXX score and DSCR XXX. Borr's score is XXX and DSCR is XXX using lease amt of $XXX. LMK! |  | XXX: Clear | 06/05/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122776 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/04/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/04/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124236 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/04/2025 | Cleared | XXX | Property | Hazard Insurance Missing or Defective | $XXX Hazard insurance coverage < $XXX minimum coverage required | XXX/XXX: Uploaded RCE showing just under $XXX required. Uploaded haz dec page showing $XXX dwelling then see pg XXX that shows there's an add'l XXX% add'l replacement cost cvg of dwelling. |  | XXX: Received | 06/05/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122784 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/04/2025 | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Hazard insurance policy is MISSING MORTGAGE clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | XXX/XXX: Hazard |  | XXX: Received | 06/06/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122783 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/04/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/04/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122779 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/04/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/04/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122781 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/05/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/05/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122788 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/05/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/05/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122780 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/05/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/05/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122785 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/06/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/06/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122770 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/06/2025 | Cleared | XXX | Credit | Asset Documentation Missing or Defective | Missing asset documentation for $XXX cash out amount reflected on XXX | XXX/XXX: uploaded |  | XXX: Received | 06/10/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124210 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/06/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/06/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122786 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/06/2025 | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Missing Article Of Organization for XXX. | XXX/XXX: uploaded |  | XXX: Received | 06/10/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122775 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/06/2025 | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Closing protection letter is MISSING MORTGAGEe clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage | XXX/XXX: uploaded |  | XXX: Received | 06/10/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122763 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/09/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/09/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122768 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/09/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/09/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124228 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/09/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/09/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124234 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/09/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/09/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124237 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/09/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/09/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124212 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/10/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/10/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122778 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/10/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/10/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122765 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/10/2025 | Acknowledged | XXX | Property | Ineligible Property – Square Footage | XXX square feet < XXX minimum required square feet. Property is ineligible as per guidelines | XXX/XXX: Exception approval provided |  | XXX: Exception approval received | 06/20/2025 | FICO XXX, XXX, LTV XXX% B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 1124227 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/10/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/10/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124238 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/10/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/10/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124195 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/11/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/11/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124193 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/12/2025 | Cleared | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required. | XXX/XXX: Apologies! Please see upload - see last page. There's an addendum to title updating coverage amount. XXX/XXX: Uploaded updated policy. |  | XXX: Received XXX: File uploaded is hazard insurance. Please provide updated title insurance. | 06/19/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124197 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/13/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/13/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124192 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/12/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/12/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124196 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/12/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/12/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125117 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/13/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/13/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125084 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/17/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/17/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125087 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/18/2025 | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review document for subject property: XXX | XXX/XXX: attached |  | XXX: Received CDA | 06/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125076 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/18/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/18/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125080 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/18/2025 | Acknowledged | XXX | Credit | Minimum Loan Amount Not Met | Loan amount of $XXX < minimum loan amount of $XXX per guidelines. | XXX/XXX: CRSE in file |  | XXX: CRSE | 06/18/2025 | FICO XXX, LTV XXX%, DSCR XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 1125079 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/18/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/18/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125082 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/19/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/19/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125090 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/19/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/19/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125086 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/19/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/19/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125073 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/20/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/20/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125081 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/23/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/23/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125085 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/23/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/23/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125072 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/23/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 06/23/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125075 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/23/2025 | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for guarantor : XXX | XXX/XXX: credit report |  | XXX: Received | 06/24/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 1094859 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 03/04/2025 | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Missing Policy Number in Hazard Insurance Policy : XXX | XXX/XXX: Uploaded |  | XXX:Received EOI for property XXX XXX XXX, XXX XXX-XXX. Please provide EOI for subject property | 03/12/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 1094859 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 03/04/2025 | Cleared | XXX | Property | Appraisal Review - Missing | Missing Appraisal review for Subject property : XXX | XXX/XXX: Uploaded |  | XXX:Received | 03/05/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 992190 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 03/18/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 03/18/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1095282 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 03/18/2025 | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Missing executed operating agreement, articles of incorporation, and good standing for the borrower XXX | XXX/XXX: uploaded |  | XXX: Received | 04/15/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 1095282 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 03/18/2025 | Cleared | XXX | Credit | Title Insurance Missing or Defective | Title Commitment Schedule A is MISSING MORTGAGE clause after lender's name. Please provide the updated title commitment with ISAOA/ATIMA verbiage | XXX/XXX: title |  | XXX: Received | 03/19/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 1112256 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 03/20/2025 | Cleared | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review property located at : XXX | XXX/XXX: CDA |  | XXX: Received | 03/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 1112263 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 03/20/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 03/20/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1112266 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 03/24/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 03/24/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1112267 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 03/24/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 03/24/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1112268 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 03/25/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 03/25/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1115371 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 03/26/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 03/26/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1112265 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 03/26/2025 | Acknowledged | XXX | Credit | Unacceptable Mortgage History | Borrower has XXX mortgage XXX-day late in the past XXX months, which is not allowed per guidelines. Mortgage XXX-day late dated XXX/XXX on credit report | XXX/XXX: CRSE |  | XXX: Received CRSE | 03/28/2025 | XXX, FICO XXX, DSCR XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 1115372 |  | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 04/01/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear |  | XXX: Clear | 04/01/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.4

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.4 - Schedule 2**

---

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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** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 1095285 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 60.71 | 60.71 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1115379 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1112259 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.00 | 59.00 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 1115374 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 1112275 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 1112258 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00 | 80.00 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1112255 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.76 | 59.76 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 1112257 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 1112264 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.50 | 73.50 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 1112274 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1112270 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.00 | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1112271 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 88.82 | 88.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 1115376 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1124205 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.35 | 79.35 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 1112272 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.29 | 60.29 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 1124206 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1124204 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00 | 80.00 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1124221 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 1124219 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00 | 90.00 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 1124218 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1124208 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 1124214 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 1124213 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.77 | 59.77 | $XXX | $XXX | -.0755 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0755 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 1122538 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.00 | 75.00 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1124217 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 44.44 | 44.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 1122534 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1122529 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1122536 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00 | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 1122532 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.86 | 75.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 1122531 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.97 | 68.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 1122533 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1122535 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 | $XXX | $XXX | -.0266 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0266 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 1124224 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.90 | 84.90 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 1122756 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 1122751 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 1124225 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 1122761 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1122758 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 38.46 | 38.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1124226 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 50.00 | 50.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 1122791 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1124239 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.88 | 45.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1124229 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 1122755 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.99 | 69.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 1124216 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00 | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1124179 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 1122752 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.84 | 62.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 1124222 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 | $XXX | $XXX | -.0749 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0749 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 1122749 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 1122750 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1122753 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 1122759 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00 | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 1124220 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 | $XXX | $XXX | -.0018 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0018 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 1122757 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1124223 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1122754 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.63 | 76.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 1124183 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 1124185 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 1124198 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1124181 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 1124186 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 1124187 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1124191 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 1124177 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00 | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 1124200 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1124201 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 | $XXX | $XXX | -.0408 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0408 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1124188 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 1125071 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00 | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1125074 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 1122769 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 64.95 | 64.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1122789 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 64.91 | 64.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 1122539 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0% |  | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.3 |  |
| 1122772 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0% |  | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 1122545 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0% |  | XX/XX/XXXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 1122540 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 54.05 | 54.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 1122543 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 1122544 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1122787 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1122764 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1124231 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1124230 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 50.00 | 50.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1124232 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1122546 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1122766 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 1124236 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1122783 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1122779 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.0536 | XXX | XXX | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1124207 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.66 | 64.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0% |  | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 1122776 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 63.78 | 63.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 1122784 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 50.00 | 50.00 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0022 | XXX | XXX | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1122788 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 52.00 | 52.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1122780 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 73.95 | 73.95 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0567 | XXX | XXX | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 1122781 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1122785 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.27 | 60.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1122770 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 72.68 | 72.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1124210 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1122775 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0% |  | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 1122786 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 69.55 | 69.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1122763 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1124228 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 1124237 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1122768 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.0473 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1124234 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 74.99 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 1122765 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 50.63 | 50.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 1122778 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1124227 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1124238 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 61.67 | 61.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1124212 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 1124195 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.48 | 64.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1124196 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00 | 60.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1124192 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 58.29 | 58.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1124193 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.09 | 64.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1124197 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 39.39 | 39.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 1125117 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1125084 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 50.00 | 50.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.0909 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1125087 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 59.87 | 59.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1125080 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1125076 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 84.37 | 84.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0% |  | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 1125079 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.99 | 64.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 1125090 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 50.00 | 50.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 1125073 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1125082 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1125086 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 68.14 | 68.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 1125072 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 1125075 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 68.87 | 68.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1125081 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 1125085 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1094859 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 63.83 | 63.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 992190 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0% |  | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 1095282 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1112256 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00 | 60.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1112263 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1112266 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1112267 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 58.80 | 58.80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1112268 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1112265 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1115371 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1115372 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |

---

## Exhibit 99.4

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.4 - Schedule 3**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 1095285 |  |  | $XXXXXX D | A | A | A | A | A B D | A | A | A | A | A |
| 1115379 |  |  | $XXXXXX A | B | B | B | B | B C A | A | A | A | A | A B |
| 1112259 |  |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| 1115374 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1112275 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1112258 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1112255 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1112257 |  |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 1112264 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1112274 |  |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 1112270 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1112271 |  |  | $XXXXXX C | C | C | C | C | C A | B | B | B | B | B A |
| 1115376 |  |  | $XXXXXX A | D | D | D | D | D A | A | A | A | A | A |
| 1124205 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1112272 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124206 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124204 |  |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1124221 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1124219 |  |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 1124218 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1124208 |  |  | $XXXXXX C | B | B | B | B | B A C | A | A | A | A | A |
| 1124214 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124213 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1122538 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124217 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1122534 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1122529 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1122536 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1122532 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1122531 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1122533 |  |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 1122535 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124224 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1122756 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 1122751 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124225 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1122761 |  |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| 1122758 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1124226 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1122791 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124239 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124229 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1122755 |  |  | $XXXXXX C | C | C | C | C | C A | B | B | B | B | B A |
| 1124216 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1124179 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1122752 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124222 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1122749 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1122750 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1122753 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1122759 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124220 |  |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 1122757 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1124223 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1122754 |  |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 1124183 |  |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1124185 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124198 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124181 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124186 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124187 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124191 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 1124177 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 1124200 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124201 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1124188 |  |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1125071 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1125074 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1122769 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1122789 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1122539 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1122772 |  |  | $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 |
| 1122545 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1122540 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1122543 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1122544 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122787 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122764 |  |  | $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 |
| 1124231 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124230 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124232 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1122546 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122766 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1124236 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1122783 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122779 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124207 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122776 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122784 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1122788 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122780 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122781 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122785 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122770 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1124210 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122775 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1122786 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1122763 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124228 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124237 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122768 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124234 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1122765 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1122778 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124227 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124238 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124212 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124195 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124196 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124192 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1124193 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1124197 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125117 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125084 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125087 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1125080 |  |  | $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 |
| 1125076 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125079 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125090 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125073 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125082 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125086 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125072 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125075 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1125081 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1125085 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1094859 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 992190 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1095282 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1112256 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1112263 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1112266 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1112267 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1112268 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1112265 |  |  | $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 |
| 1115371 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1115372 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.4

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.4 - Schedule 4**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 1095285 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets plus cash out. |
| 1095285 | QM Qualifying Total Debt Income Ratio | XXX | XXX | missing docs from the simultaneously closed purchase. cannot verify all income |
| 1095285 | Qualifying All Borrower Residual Income | XXX | XXX | minor variance |
| 1115379 | QM Qualifying Total Debt Income Ratio | XXX | XXX | within tolerance |
| 1115379 | Qualifying All Borrower Residual Income | XXX | XXX | Per income |
| 1112259 | QM Qualifying Total Debt Income Ratio | XXX | XXX | insignificant variance |
| 1112259 | Qualifying All Borrower Residual Income | XXX | XXX | insignificant variance |
| 1115374 | Borrower 1 Last Name | XXX | XXX | Per Note. |
| 1115374 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the verified assets from the accounts listed on the Final 1003. |
| 1115374 | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to lender adding the PITIA for the primary residence at time of application, which had been sold prior to the subject transaction, using the debt payments from the origination credit report, and using the less income based on re-calculation of bank Statements. Removed the XXX deposit from the April qualified income. |
| 1115374 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to lender adding the PITIA for the primary residence at time of application, which had been sold prior to the subject transaction, using the debt payments from the origination credit report, and using the less income based on re-calculation of bank Statements. Removed the XXX deposit from the April qualified income. |
| 1112275 | Application Date | XXX | XXX | Per 1003 |
| 1112275 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Per credit report |
| 1112275 | Qualifying All Borrower Residual Income | XXX | XXX | per income docs |
| 1112258 | Property Type | XXX | XXX | Same data |
| 1112255 | Qualifying Total Reserves Number of Months | XXX | XXX | used assets verified per g/l and found in the file |
| 1112255 | QM Qualifying Total Debt Income Ratio | XXX | XXX | minor variance |
| 1112255 | Qualifying All Borrower Residual Income | XXX | XXX | minor variance, Broker's CBR v Lender's CBR |
| 1112257 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the cash-out amount at closing. The Savings accounted listed on the Final 1003 is not documented in the file. |
| 1112274 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the most recent bank Statement balance from the account listed on the final application with verified EM deducted prior to end date on Statement. |
| 1112274 | Qualifying All Borrower Residual Income | XXX | XXX | Lender rounded to the nearest dollar. |
| 1112270 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in file |
| 1112270 | Qualifying All Borrower Residual Income | XXX | XXX | same data rounded |
| 1112271 | Qualifying Total Reserves Number of Months | XXX | XXX | verified balances from accounts provided |
| 1112271 | QM Qualifying Total Debt Income Ratio | XXX | XXX | did not pay off debt as intended |
| 1112271 | Qualifying All Borrower Residual Income | XXX | XXX | did not pay off debt as intended |
| 1115376 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Lender using updated CR |
| 1115376 | Qualifying All Borrower Residual Income | XXX | XXX | Lender using updated CR |
| 1124205 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance-tape is rounded down to nearest full dollar. |
| 1112272 | Qualifying Total Reserves Number of Months | XXX | XXX | Same data rounded |
| 1112272 | Qualifying All Borrower Residual Income | XXX | XXX | same data rounded |
| 1124206 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the most recent bank account balances listed on the Final 1003 with Earnest Money verified. |
| 1124206 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Auditor used the debt from the origination credit report. Re-verified income. |
| 1124206 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance used the debt from the origination credit report. Re-verified income. |
| 1124204 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 1124221 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 1124221 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Per difference in REO calculation |
| 1124221 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 1124219 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 1124219 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Per credit |
| 1124219 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 1124218 | Qualifying Total Reserves Number of Months | XXX | XXX | Auditor pulled the most recent balance from the bank acct listed on the Final 1003. |
| 1124218 | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to auditor using the debt payments of the origination credit report. |
| 1124218 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to audit using the debt payments off the origination credit report. |
| 1124208 | QM Qualifying Total Debt Income Ratio | XXX | XXX | minor variance |
| 1124208 | Qualifying All Borrower Residual Income | XXX | XXX | minor variance |
| 1124214 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 1124214 | Qualifying All Borrower Residual Income | XXX | XXX | Per residual income |
| 1124213 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at time of closing, plus cash out |
| 1124213 | QM Qualifying Total Debt Income Ratio | XXX | XXX | minor variance |
| 1124213 | Qualifying All Borrower Residual Income | XXX | XXX | minor variance |
| 1122538 | Borrower 1 Last Name | XXX | XXX | per note |
| 1122538 | Cash Disbursement Date | XXX | XXX | per CD |
| 1122538 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at time of closing |
| 1122538 | QM Qualifying Total Debt Income Ratio | XXX | XXX | insignificant variance |
| 1122538 | Qualifying All Borrower Residual Income | XXX | XXX | minor variance |
| 1124217 | Qualifying Total Reserves Number of Months | XXX | XXX | minor variance |
| 1124217 | QM Qualifying Total Debt Income Ratio | XXX | XXX | income and obligations verified |
| 1124217 | Qualifying All Borrower Residual Income | XXX | XXX | income and obligations verified |
| 1122534 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets in file |
| 1122534 | QM Qualifying Total Debt Income Ratio | XXX | XXX | minor variance |
| 1122534 | Qualifying All Borrower Residual Income | XXX | XXX | minor variance |
| 1122529 | Borrower 1 Last Name | XXX | XXX | Taken from note |
| 1122529 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Taken from verified assets from Final 1003 |
| 1122529 | Qualifying All Borrower Residual Income | XXX | XXX | A difference of $XXX |
| 1122532 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at closing |
| 1122532 | QM Qualifying Total Debt Income Ratio | XXX | XXX | REO costs not fully documented |
| 1122532 | Qualifying All Borrower Residual Income | XXX | XXX | REO costs not fully documented |
| 1122531 | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance-the lender did not add in the negative rental income. |
| 1122531 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to lender not adding in the negative REO income. |
| 1122533 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at closing |
| 1122533 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 1122535 | Qualifying Total Reserves Number of Months | XXX | XXX | minor variance |
| 1122535 | QM Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender CBR |
| 1122535 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender CBR |
| 1124224 | Qualifying All Borrower Residual Income | XXX | XXX | Tape is rounded to nearest.XXX. |
| 1122756 | Qualifying Total Reserves Number of Months | XXX | XXX | Rounding |
| 1122756 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| 1122756 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 1122751 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 1122751 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Per debts |
| 1122751 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 1124225 | Borrower 1 Last Name | XXX | XXX | Last Name pulled from Note signature line. |
| 1124225 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the most recent bank Statement balances listed on the Final 1003 plus earnest money is verified. |
| 1124225 | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to using the debt payments from the origination credit report. |
| 1124225 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to using the debt payments from the origination credit report. XXX also shows rental income vs. auditor calculating negative rental income. |
| 1122761 | Qualifying Total Reserves Number of Months | XXX | XXX | minor variance |
| 1122761 | QM Qualifying Total Debt Income Ratio | XXX | XXX | minor variance |
| 1122761 | Qualifying All Borrower Residual Income | XXX | XXX | minor variance |
| 1122758 | Qualifying Total Reserves Number of Months | XXX | XXX | Audit used the most recent bank Statement balances from the accts listed on the Final 1003 and the funds from sale of the O/O property which are verified on the closing CD in file. |
| 1122758 | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance-auditor used the debt payments from the origination credit report. Also added in the collection payment from the F1003. |
| 1122758 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1122758 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance-auditor used the debt payments from the origination credit report. Also added in the collection payment from the F1003. |
| 1124226 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the current balances from the accts listed on the Final 1003 and Funds from sale of O/O property @ time of application. |
| 1124226 | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance, auditor used the debt payments from the origination credit report. |
| 1124226 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1124226 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance auditor used the debt payments from the origination credit report. |
| 1122791 | Cash Disbursement Date | XXX | XXX | Taken from Final CD |
| 1122791 | Qualifying Total Reserves Number of Months | XXX | XXX | Calculated from assets verified in file |
| 1122791 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1122791 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1122791 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Difference in monthly liabilities from broker credit report |
| 1122791 | Qualifying All Borrower Residual Income | XXX | XXX | Difference of $XXX dollars |
| 1124239 | Borrower 2 Origination Equifax | XXX | XXX |  |
| 1124239 | Borrower 1 Origination TransUnion | XXX | XXX |  |
| 1124239 | Borrower 1 Origination Experian | XXX | XXX |  |
| 1124239 | Borrower 2 Origination TransUnion | XXX | XXX |  |
| 1124239 | Borrower 1 Origination Equifax | XXX | XXX |  |
| 1124239 | Qualifying Total Reserves Number of Months | XXX | XXX | Did not use XXX acct XXX - did not have updated transaction history showing transfers to XXX acct ending in XXX |
| 1124239 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1124239 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Lender using lower payments from credit report |
| 1124239 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1124239 | Qualifying All Borrower Residual Income | XXX | XXX | Lender using lower payments from credit report |
| 1124229 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at time of closing |
| 1124229 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1124229 | QM Qualifying Total Debt Income Ratio | XXX | XXX | minor variance |
| 1124229 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1124229 | Qualifying All Borrower Residual Income | XXX | XXX | minor variance |
| 1122755 | Borrower 1 Origination Experian | XXX | XXX |  |
| 1122755 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1122755 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Per credit |
| 1122755 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1122755 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 1122755 | Borrower 1 Origination TransUnion | XXX | XXX |  |
| 1122755 | Borrower 1 Origination Equifax | XXX | XXX |  |
| 1124216 | Qualifying Total Reserves Number of Months | XXX | XXX | Residual income variance-used most recent balances from accts listed on Final 1003. EM is verified. |
| 1124216 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1124216 | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to a slight variance in re-calculated income. and debt payments from the origination credit report. |
| 1124216 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1124216 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to a slight variance in re-calculated income. and debt payments from the origination credit report. |
| 1124179 | Initial Monthly P&I Or IO Payment | XXX | XXX |  |
| 1124179 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets in file at closing |
| 1124179 | QM Qualifying Total Debt Income Ratio | XXX | XXX | minor variance |
| 1124179 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1124179 | Qualifying All Borrower Residual Income | XXX | XXX | minor variance |
| 1122752 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1122752 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1122752 | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to audit calculating slightly less income and using the debt from the origination credit report. |
| 1122752 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to audit calculating slightly less income and using the debt from the origination credit report. |
| 1124222 | Qualifying Total Reserves Number of Months | XXX | XXX | Rounding |
| 1124222 | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to using the actual figures for debts and not rounding to the payment to the nearest dollar. |
| 1124222 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1124222 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1124222 | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to using the actual figures for debts and not rounding to the payment to the nearest dollar. |
| 1122749 | Cash Disbursement Date | XXX | XXX | Disbursement date per closing C.D. |
| 1122749 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserve variance-using cash-out for reserves. |
| 1122749 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1122749 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1122749 | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to a slight variance in re-calculated income. |
| 1122749 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due a slight variance in re-calculated income.. |
| 1122750 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 1122750 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1122750 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Per credit |
| 1122750 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1122750 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 1122753 | Cash Disbursement Date | XXX | XXX | per final cd |
| 1122753 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1122753 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1122753 | QM Qualifying Total Debt Income Ratio | XXX | XXX | minor variance |
| 1122753 | Qualifying All Borrower Residual Income | XXX | XXX | minor variance |
| 1122759 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1122759 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 1124220 | Borrower 1 Last Name | XXXXX | XXXXX | Notes - Last Name |
| 1124220 | Originator Doc Type | XXX Month Bank Statement | XXX Month Bank Statement |  |
| 1124220 | Qualifying Total Reserves Number of Months | XXX | XXX | Removed open amex account from reserves |
| 1124220 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Lender using slightly higher qualifying income. Lender did not remove $XXX deposit on XX/XX/XXXX |
| 1124220 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1124220 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1124220 | Qualifying All Borrower Residual Income | XXX | XXX | Lender using slightly higher qualifying income. Lender did not remove $XXX deposit on XX/XX/XXXX |
| 1122757 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1122757 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Lender did not include all REO payments on XXX |
| 1122757 | Qualifying All Borrower Residual Income | XXX | XXX | Lender did not include all REO payments on XXX |
| 1124223 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the most recent acct balance from the acct listed on the Final 1003. |
| 1124223 | Qualifying All Borrower Residual Income | XXX | XXX | Tape is rounded down to nearest dollar. |
| 1122754 | Borrower 1 Origination Experian | XXX | XXX |  |
| 1122754 | Borrower 1 Origination TransUnion | XXX | XXX |  |
| 1122754 | Borrower 1 Origination Equifax | XXX | XXX |  |
| 1122754 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender did not include P&I from REO from XXX NW on XXX or XXX total liabilities |
| 1122754 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1122754 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Lender did not include P&I from REO from XXX NW on XXX or XXX total liabilities |
| 1122754 | Qualifying All Borrower Residual Income | XXX | XXX | Lender did not include P&I from REO from XXX NW on XXX or XXX total liabilities |
| 1124183 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender used April Statement for XXX instead of XXX Statement that sourced EM and most recent ending balance |
| 1124183 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Lender rounded down and did not used the cents on mortgage Statement for vacated property/REO |
| 1124183 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1124183 | Qualifying All Borrower Residual Income | XXX | XXX | Lender rounded down and did not used the cents on mortgage Statement for vacated property/REO |
| 1124185 | Initial Monthly P&I Or IO Payment | XXX | XXX |  |
| 1124185 | Qualifying Total Reserves Number of Months | XXX | XXX | verified funds at time of closing |
| 1124185 | QM Qualifying Total Debt Income Ratio | XXX | XXX | lender showed OREO cost as payment rather than deduct from income |
| 1124185 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1124185 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1124185 | Qualifying All Borrower Residual Income | XXX | XXX | Broker v lender CBR |
| 1124198 | Originator Doc Type | XXX | XXX |  |
| 1124198 | Property Type | XXX | XXX | Condo |
| 1124198 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves |
| 1124198 | Qualifying All Borrower Residual Income | XXX | XXX | lender rounded down |
| 1124181 | Borrower 1 Last Name | XXX | XXX | Per note |
| 1124181 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 1124181 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1124181 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 1124186 | Initial Monthly P&I Or IO Payment | XXX | XXX |  |
| 1124186 | Property Type | XXX | XXX |  |
| 1124186 | Qualifying Total Reserves Number of Months | XXX | XXX | Per the Bank Statements, the has been verified. |
| 1124186 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Per the Income and Debts, the Qualifying Total/Debt income Ratio has been verified. |
| 1124186 | Qualifying All Borrower Residual Income | XXX | XXX | Per the Income documents, the has been verified. |
| 1124187 | Qualifying Total Reserves Number of Months | XXX | XXX | Per Assets |
| 1124187 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1124191 | Qualifying All Borrower Residual Income | XXX | XXX | insignificant rounding |
| 1124177 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 1124177 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1124177 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Per income/debt ccalculations |
| 1124177 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calcuations |
| 1124200 | Qualifying FICO | XXX | XXX |  |
| 1124200 | Borrower 1 Origination Experian | XXX | XXX |  |
| 1124200 | Borrower 1 Origination TransUnion | XXX | XXX |  |
| 1124200 | Borrower 1 Origination Equifax | XXX | XXX |  |
| 1124200 | Property Type | XXX | XXX |  |
| 1124200 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 1124200 | QM Qualifying Total Debt Income Ratio | XXX | XXX | XXX debts lender did not include |
| 1124200 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 1124200 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1124200 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 1124201 | Qualifying Total Reserves Number of Months | XXX | XXX | Calculated from assets in file |
| 1124201 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Difference in monthly liabilities |
| 1124201 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1124201 | Qualifying All Borrower Residual Income | XXX | XXX | Difference in monthly liabilities |
| 1124188 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1124188 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculation |
| 1125071 | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed based on the asset documentation in the loan file. |
| 1125071 | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed based on the qualifying income of $XXX adn total debts of $XXX. |
| 1125074 | QM Qualifying Total Debt Income Ratio | XXX | XXX | insignificant variance |
| 1125074 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 1125074 | Qualifying All Borrower Residual Income | XXX | XXX | insignificant varaince |
| 1122543 | Qualifying FICO | XXX | XXX |  |
| 1122545 | Qualifying FICO | XXX | XXX | Using credit score of XXX from report XX/XX/XXXX |
| 1122546 | Borrower Last Name | XXX | XXX |  |
| 1122764 | Qualifying FICO | XXX | XXX | Using credit scores from report XX/XX/XXXX |
| 1122764 | Months Reserves | XXX | XXX | Cash out amount of $XXX, and #XXX reflects $XXX on XXX/XXX |
| 1122766 | Qualifying FICO | XXX | XXX | Using credit scores from report XX/XX/XXXX |
| 1122766 | Months Reserves | XXX | XXX | Account #XXX Reflects XXX on XXX/XXX |
| 1122769 | Property Type | XXX | XXX |  |
| 1122769 | Gross Rent | XXX | XXX | using market rents off of appraisal XXX |
| 1122769 | DSCR | XXX | XXX | Breakdown as follows: Income $XXX/ PI $XXX, T $XXX, I $XXX, H $XXX |
| 1122769 | Months Reserves | XXX | XXX | Assets $XXX/ PI $XXX, T $XXX, I $XXX, H $XXX |
| 1122778 | Qualifying FICO | XXX | XXX |  |
| 1122781 | Months Reserves | XXX | XXX | XXX% of XXX accoount #XXX, #XXX amount of $XXX |
| 1122785 | Qualifying FICO | XXX | XXX |  |
| 1122786 | LTV | XXX | XXX | Using as-is value of $XXX on appraisal dated XX/XX/XXXX |
| 1122787 | Qualifying FICO | XXX | XXX |  |
| 1122789 | Property Type | XXX | XXX |  |
| 1122789 | Gross Rent | XXX | XXX | using market rents off of appraisal XXX |
| 1122789 | DSCR | XXX | XXX | Breakdown as follows: Income $XXX/ PI $XXX, T $XXX, I $XXX, H $XXX |
| 1122789 | Months Reserves | XXX | XXX | Assets $XXX/ PI $XXX, T $XXX, I $XXX, H $XXX |
| 1124232 | Qualifying FICO | XXX | XXX | Using credit scores from report dated XX/XX/XXXX |
| 1124232 | DSCR | XXX | XXX | Monthly Breakdown: Income $XXX/ PI $XXX, Taxes $XXX, Insurance $XXX, HOA $XXX |
| 1124236 | Qualifying FICO | XXX | XXX | Using credit scores from report XX/XX/XXXX |
| 1124236 | Months Reserves | XXX | XXX | Cash out amount of $XXX, and #XXX reflects $XXX on XXX/XXX |
| 1124207 | Property Type | XXX | XXX Unit |  |
| 1124227 | Months Reserves | XXX | XXX | #XXX reflects $XXX on XXX/XXX |
| 1124237 | Qualifying FICO | XXX | XXX | Credit report dated XX/XX/XXXX reflected only one credit score of XXX |
| 1124195 | Property Type | XXX | XXX Unit |  |
| 1125072 | Property Type | XXX | XXX Unit |  |
| 1124197 | Months Reserves | XXX | XXX | Using bank Statement from XXX/XXX for account #XXX reflecting $XXX |
| 1125117 | Property Type | XXX | XXX Unit |  |
| 1125076 | Qualifying FICO | XXX | XXX |  |
| 1094859 | Loan Purpose | XXX | XXX | Cash to close is $XXX |
| 1095282 | Qualifying FICO | XXX | XXX | FICO Is XXX from lesser of two credit reports |
| 1112268 | Qualifying FICO | XXX | XXX | Using the lower of two credit scores |
| 1112268 | Months Reserves | XXX | XXX | Assets $XXX |

---

## Exhibit 99.5

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.5**

![](ex995001.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 APF II Resi O4B, LLC ("Client"). The review was conducted between September 2024 and April 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 27 Non-QM and 61 ATR-QM exempt loans for a total of 88 loans (the "Final Securitization Population").

*<u>Credit Reviews (88):</u>*

During the Review, Selene performed a credit review on 88 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (88)</u>*

During the Review, Selene performed a compliance review on 88 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (88):</u>*

During the Review, Selene performed a property valuation review on 88 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (88):</u>*

During the Review, Selene performed a Data Integrity Review on 88 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 88 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;88 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;88 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;88 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;88 | &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, S&P Global Ratings ("S&P") (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>**

Choice Non-QM Underwriting Guidelines, ACC Mortgage Underwriting Guidelines, Deephaven Correspondent Underwriting Guidelines, Deephaven Wholesale Underwriting Guidelines, West One Capital Group Residential & Investor Guidelines (collectively 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 **16**

**<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 whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

**PROPERTY VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;&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 **16**

**DATA INTEGRITY REVIEW**

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

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

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

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

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

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

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

**<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 88 mortgage loans, (ii) a Compliance Review on 88 mortgage loans (iii) a Valuation Review on 88 mortgage loans, and (iv) a Data Integrity Review on 88 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 88 mortgage loans; 65 mortgage loans had a rating grade of A, 23 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 (88 overall loans):***  | &nbsp;&nbsp;***Grades per loan (88 overall loans):***  | &nbsp;&nbsp;***Grades per loan (88 overall loans):***  | &nbsp;&nbsp;***Grades per loan (88 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** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;29 | &nbsp;&nbsp;32.95% | &nbsp;&nbsp;A | &nbsp;&nbsp;65 | &nbsp;&nbsp;73.86% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.55% | &nbsp;&nbsp;B | &nbsp;&nbsp;23 | &nbsp;&nbsp;26.14% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;15 | &nbsp;&nbsp;17.05% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;40 | &nbsp;&nbsp;45.45% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **16**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| |  | &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** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;81 | &nbsp;&nbsp;92.05% | &nbsp;&nbsp;A | &nbsp;&nbsp;73 | &nbsp;&nbsp;82.95% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;7.95% | &nbsp;&nbsp;B | &nbsp;&nbsp;15 | &nbsp;&nbsp;17.05% |
| &nbsp;&nbsp;C | &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;D | &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;**S&P** | &nbsp;&nbsp;**%** |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;85 | &nbsp;&nbsp;96.59% |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.41% |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |

---

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

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

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

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of

Page **5** of **16**

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
Due Diligence 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 **16**

**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 **16**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was
 involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify
 that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and
 is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the
 file meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that the mortgagee clause lists the lender's name and "its successors and
 assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in
 the DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
for any social security number variations for the borrowers and confirm that the variations have been addressed in the loan file;

Page **8** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
for any potential occupancy issues based on the borrowers' address history and confirm that any issues have been addressed
in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
for any additional consumers associated with the borrowers' profiles and confirm the materiality and material issues have
been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 review of the completeness and accuracy of the information obtained in the mortgage origination
 process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A
 review of closing documents to ensure that the mortgage file information is complete,
 accurate, and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene
 will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification
 that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
 loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification
 that all borrowers are eligible based on the guidelines and information in the loan file;
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 there is appropriate documentation present to confirm that applicable documents have
 been recorded or have been sent for recording.

Page **9** of **16**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

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

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

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

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction; <br> ii) review relevant document to determine if there was dual compensation; and

Page **10** of **16**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Page **11** of **16**

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

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

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

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

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

Selene 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.

Selene 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"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

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

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

Page **12** of **16**

**SCHEDULE I**

**<u>Selene tests perform compliance checks by state license types for interest rate, late fees, grace periods, high cost, higher priced, anti-predatory lending and prepayment term requirements. Restrictive Fees test assess qualifiable mortgage loan fee restrictions under state/municipalities laws and regulations.</u>**

**(Below are state regulations which test specifically for high cost, higher priced, and anti-predatory lending.)**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL
 Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK
 Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License Registered Depository Institution
 Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR
 Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ
 Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA
 AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO
 Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO
 Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE
 Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington,
 DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington,
 DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL
 Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA
 Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW
 Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign
 Lender License - Mortgage Loan Originator Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID
 Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN
 Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA
 Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker
 Registrant- Mortgage Broker License- Master Loan Company Registration Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS
 Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA
 Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA
 Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD
 Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland
 Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI
 Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN
 Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS
 Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO
 Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT -
 Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC
 Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND
 Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE
 Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH
 First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker
 License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ
 Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM
 Home Loan Protection Act (pre- and post-amendments)

Page **13** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;33. OH
 Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland
 Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit
 County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit
 County, OH Consumer Protection Ordinance

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;48. CA
 AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions -
 Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;49. CT
 Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;50. CT
 Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;51. IL
 Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;52. IL
 High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;53. Chicago,
 IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;54. Cook
 County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;55. KY
 Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;56. ME
 Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime,
 Rate Spread Home Loan, and Higher-Priced Mortgage Loan Provisions (original 2003 provisions
 and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;57. MA
 High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices
 Act - MA 209 CMR 32.35 Higher-Priced Mortgage Loan Provisions - MA "Borrower's
 Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;58. Maryland
 Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage
 Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;59. NC
 Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;60. NV
 Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;61. NY
 GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;62. NY
 Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;63. NY
 Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;64. OH
 Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;65. Cleveland
 Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;66. RI
 Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;67. SC
 High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;68. TX
 Home Loan and High Cost Home Loan Act

Page **14** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;69. UT
 High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;70. VT
 High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;71. VI
 VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;72. WI
 Responsible High Cost Mortgage Lending Act

Page **15** of **16**

**APPENDIX C – VALUATION REVIEW SCOPE**

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

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

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

Disclaimer

○ 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 **16** of **16**

## Exhibit 99.5

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.5 - Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 1116011 |  | XXXX | XXXX C B A |
| 1116010 |  | XXXX | XXXX D B A |
| 1115942 |  | XXXX | XXXX A D B |
| 1115941 |  | XXXX | XXXX A D B |
| 1115943 |  | XXXX | XXXX A |
| 1115944 |  | XXXX | XXXX D A |
| 1116012 |  | XXXX | XXXX D A B |
| 1115908 |  | XXXX | XXXX D A |
| 1115904 |  | XXXX | XXXX C D A |
| 1115960 |  | XXXX | XXXX A |
| 1115956 |  | XXXX | XXXX D A B |
| 1115972 |  | XXXX | XXXX A |
| 1115984 |  | XXXX | XXXX C A |
| 1115923 |  | XXXX | XXXX A |
| 1115902 |  | XXXX | XXXX A |
| 1115916 |  | XXXX | XXXX A |
| 1115919 |  | XXXX | XXXX A |
| 1115917 |  | XXXX | XXXX A |
| 1115918 |  | XXXX | XXXX A |
| 1115955 |  | XXXX | XXXX A |
| 1115901 |  | XXXX | XXXX A C |
| 1116000 |  | XXXX | XXXX C D A |
| 1115930 |  | XXXX | XXXX A |
| 1115920 |  | XXXX | XXXX A |
| 1115929 |  | XXXX | XXXX D A B |
| 1115980 |  | XXXX | XXXX D A |
| 1115989 |  | XXXX | XXXX A |
| 1115952 |  | XXXX | XXXX C D A B |
| 1115999 |  | XXXX | XXXX A C |
| 1115982 |  | XXXX | XXXX D A B |
| 1115966 |  | XXXX | XXXX A |
| 1115963 |  | XXXX | XXXX D A B |
| 1115957 |  | XXXX | XXXX D A |
| 1115983 |  | XXXX | XXXX C A |
| 1116006 |  | XXXX | XXXX D A |
| 1115927 |  | XXXX | XXXX A |
| 1115931 |  | XXXX | XXXX C A B |
| 1116009 |  | XXXX | XXXX D A B |
| 1115959 |  | XXXX | XXXX A D B |
| 1116005 |  | XXXX | XXXX D A |
| 1115997 |  | XXXX | XXXX D A |
| 1116004 |  | XXXX | XXXX D A B |
| 1115940 |  | XXXX | XXXX C A |
| 1115995 |  | XXXX | XXXX D A |
| 1115985 |  | XXXX | XXXX D B A |
| 1115968 |  | XXXX | XXXX D A |
| 1115961 |  | XXXX | XXXX C A |
| 1115936 |  | XXXX | XXXX A B |
| 1115979 |  | XXXX | XXXX A |
| 1115976 |  | XXXX | XXXX A |
| 1115991 |  | XXXX | XXXX D B A |
| 1115962 |  | XXXX | XXXX A |
| 1115925 |  | XXXX | XXXX C A B |
| 1115932 |  | XXXX | XXXX A |
| 1115906 |  | XXXX | XXXX B A |
| 1115939 |  | XXXX | XXXX B A |
| 1115935 |  | XXXX | XXXX A |
| 1115965 |  | XXXX | XXXX D A |
| 1115945 |  | XXXX | XXXX C A B |
| 1115993 |  | XXXX | XXXX A |
| 1115974 |  | XXXX | XXXX D C A |
| 1115992 |  | XXXX | XXXX D A |
| 1115953 |  | XXXX | XXXX C D A |
| 1115986 |  | XXXX | XXXX C A B |
| 1115928 |  | XXXX | XXXX A |
| 1116007 |  | XXXX | XXXX D A |
| 1115899 |  | XXXX | XXXX C A |
| 1115937 |  | XXXX | XXXX A |
| 1115905 |  | XXXX | XXXX B A |
| 1115907 |  | XXXX | XXXX A |
| 1115981 |  | XXXX | XXXX D C A B |
| 1115998 |  | XXXX | XXXX A C |
| 1115970 |  | XXXX | XXXX D A |
| 1115973 |  | XXXX | XXXX D A |
| 1115996 |  | XXXX | XXXX C D A |
| 1115964 |  | XXXX | XXXX D A B |
| 1116003 |  | XXXX | XXXX D A B |
| 1116001 |  | XXXX | XXXX D A |
| 1116008 |  | XXXX | XXXX A C |
| 1115994 |  | XXXX | XXXX C A |
| 1115990 |  | XXXX | XXXX A |
| 1115947 |  | XXXX | XXXX A |
| 1115894 |  | XXXX | XXXX D A |
| 1115895 |  | XXXX | XXXX A |
| 1115898 |  | XXXX | XXXX A D |
| 1115988 |  | XXXX | XXXX A |
| 1115933 |  | XXXX | XXXX A |
| 1115900 |  | XXXX | XXXX D A |

---

## Exhibit 99.5

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.5 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 1116011 |  |  | Closed | 2024-10-03 18:33 | 2024-11-05 04:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Exception approved. - Due Diligence Vendor-11/05/2024 <br> Ready for Review-Document Uploaded. - Seller-10/31/2024 <br> Open-Borrower Type ineligible per program guidelines. Document Uploaded. Note is signed by XXXX - XXXX on behalf of Business Entity, XXXX. Provide Exception<br> - Due Diligence Vendor-10/03/2024 | Ready for Review-Document Uploaded. - Seller-10/31/2024<br>| Waived-Exception approved. - Due Diligence Vendor-11/05/2024<br>| XXXX |  | DSCR- Loan File 1.27, GL Requirement Min 1.00<br> LTV - Loan File 46.977%, GL Requirement Max. 75%.<br> Tradelines- Loan File 8 tradelines- GL Requirement No Min Required<br> Housing History - Loan File 0X30, 12 months. GL Requirement 1X30, 12 months.<br> Investor Experience - Loan File 3 Rental REO, GL Requirement No Min Required<br> Current interest rate is 11.00% - new interest rate will be 7.00% | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 2518774 | Originator Post-Close | Yes |
| XXXX | 1116011 |  |  | Closed | 2024-10-02 03:05 | 2024-10-29 11:14 | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Doc is missing. | Resolved-Personal Guaranty received - Due Diligence Vendor-10/29/2024 <br>Ready for Review-Document Uploaded. - Seller-10/28/2024 <br>Open-Guaranty Agreement is missing. - Due Diligence Vendor-10/02/2024 | Ready for Review-Document Uploaded. - Seller-10/28/2024<br>| Resolved-Personal Guaranty received - Due Diligence Vendor-10/29/2024<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 2501039 | N/A | N/A |
| XXXX | 1116011 |  |  | Closed | 2024-10-03 18:46 | 2024-10-29 11:13 | Resolved | 1 - Information B A | Credit | Doc Issue | Loan program disclosure missing or unexecuted | Resolved-FFIA received, - Due Diligence Vendor-10/29/2024 <br> Ready for Review-Document Uploaded. - Seller-10/28/2024 <br> Open-Provide XXXX - Due Diligence Vendor-10/03/2024 | Ready for Review-Document Uploaded. - Seller-10/28/2024<br>| Resolved-XXXX received, - Due Diligence Vendor-10/29/2024 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 2518994 | N/A | N/A |
| XXXX | 1116011 |  |  | Closed | 2024-10-03 18:22 | 2024-10-11 20:26 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E - Sign provided, Resolved. - Due Diligence Vendor-10/11/2024 <br>Ready for Review-Document Uploaded. - Seller-10/09/2024 <br>Open-Provide E-Sign Consent Form. - Due Diligence Vendor-10/03/2024 | Ready for Review-Document Uploaded. - Seller-10/09/2024<br>| Resolved-E - Sign provided, Resolved. - Due Diligence Vendor-10/11/2024<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 2518668 | N/A | N/A |
| XXXX | 1116011 |  |  | Closed | 2024-10-01 05:43 | 2024-10-08 21:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception approved - Due Diligence Vendor-10/08/2024 <br> Ready for Review-XXXX approves/acknowledges exception. Ok to proceed. - Seller-10/04/2024 <br> Open-Audited Reserves of 5.11 month(s) are less than Guideline Required Reserves of 6 month(s) Exception Approval on XXXX by XXXX page 302. Exception Reason: Min Subject Months Reserves - Loan File 5.11 months, GL Requirement Min 6 months.<br> - Due Diligence Vendor-10/01/2024 <br> Open- - Due Diligence Vendor-10/01/2024 | Ready for Review-ACC approves/acknowledges exception. Ok to proceed. - Seller-10/04/2024<br>| Waived-Exception approved - Due Diligence Vendor-10/08/2024<br>|  |  | DSCR- Loan File 1.27, GL Requirement Min 1.00<br> LTV - Loan File 46.977%, GL Requirement Max. 75%.<br> Tradelines- Loan File 8 tradelines- GL Requirement No Min Required<br> Housing History - Loan File 0X30, 12 months. GL Requirement 1X30, 12 months.<br> Investor Experience - Loan File 3 Rental REO, GL Requirement No Min Required<br> Current interest rate is 11.00% - new interest rate will be 7.00% | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 2491331 | Originator Pre-Close | No |
| XXXX | 1116011 |  |  | Closed | 2024-10-03 18:53 | 2024-10-08 11:10 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-DSCR Worksheet received - Due Diligence Vendor-10/08/2024 <br>Ready for Review-Document Uploaded. - Seller-10/04/2024 <br>Open-Provide DSCR Worksheet - Due Diligence Vendor-10/03/2024 | Ready for Review-Document Uploaded. - Seller-10/04/2024<br>| Resolved-DSCR Worksheet received - Due Diligence Vendor-10/08/2024<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 2519087 | N/A | N/A |
| XXXX | 1116010 |  |  | Closed | 2024-10-24 09:23 | 2024-11-06 12:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received Lender Income Worksheet for Borrower 1 - Due Diligence Vendor-11/06/2024 <br>Ready for Review-Document Uploaded. - Seller-11/05/2024 <br>Counter-Received lender income worksheet for Borrower 2. Provide lender income worksheet for Borrower 1 - Due Diligence Vendor-11/01/2024 <br>Ready for Review-Document Uploaded. - Seller-10/31/2024 <br>Open-Provide lender income worksheet for Borrower 1.<br> - Due Diligence Vendor-10/24/2024 | Ready for Review-Document Uploaded. - Seller-11/05/2024 <br>Ready for Review-Document Uploaded. - Seller-10/31/2024<br>| Resolved-Received Lender Income Worksheet for Borrower 1 - Due Diligence Vendor-11/06/2024<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 2670850 | N/A | N/A |
| XXXX | 1116010 |  |  | Closed | 2024-10-24 03:32 | 2024-11-01 13:15 | 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-11/01/2024 <br>Resolved-Required Document provided, changes made in system. Finding Resolved - Due Diligence Vendor-11/01/2024 <br>Ready for Review-Document Uploaded. - Seller-10/31/2024 <br>Open-The 1008 document is missing from the loan file. Provide 1008 - Due Diligence Vendor-10/24/2024 | Ready for Review-Document Uploaded. - Seller-10/31/2024<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/01/2024 <br>Resolved-Required Document provided, changes made in system. Finding Resolved - Due Diligence Vendor-11/01/2024<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 2670065 | N/A | N/A |
| XXXX | 1116010 |  |  | Closed | 2024-10-29 15:28 | 2024-11-01 12:44 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Bank statement dated XXXX for accts ending - XXXX and bank statement dated XXXX for acct ending - XXXX received - Due Diligence Vendor-11/01/2024 <br> Ready for Review-Document Uploaded. - Seller-10/31/2024 <br> Open-Asset Worksheet reflects the receipt of bank statement dated XXXX for accts ending - XXXX and bank statement dated XXXX for acct ending - XXXX. Provide statements. - Due Diligence Vendor-10/29/2024 | Ready for Review-Document Uploaded. - Seller-10/31/2024<br>| Resolved-Bank statement dated XXXX for accts ending - XXXX and bank statement dated XXXX for acct ending - XXXX received - Due Diligence Vendor-11/01/2024 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 2703344 | N/A | N/A |
| XXXX | 1116010 |  |  | Closed | 2024-10-29 13:55 | 2024-10-31 20:17 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Provided, Resolved. - Due Diligence Vendor-10/31/2024 <br>Ready for Review-Document Uploaded. - Seller-10/31/2024 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-10/29/2024 | Ready for Review-Document Uploaded. - Seller-10/31/2024<br>| Resolved-E-Sign Provided, Resolved. - Due Diligence Vendor-10/31/2024<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 2701897 | N/A | N/A |
| XXXX | 1116010 |  |  | Closed | 2024-10-24 07:19 | 2024-10-29 15:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.221%) APR equals or exceeds the Federal HPML threshold of (7.54%). 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 (6.04%).(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 301 and the Final Closing disclosure on Pg#'s 100 reflects escrows. Rate lock date was entered correctly – see Pg#'s 321 An interior and exterior appraisal was completed for this property – see pg 36-61, the appraisal disclosure was provided to the borrower(s)- see Pg#'393 and copy of the appraisal was given to the borrower – see Pg#'s 32-35. The loan meets HPML guidelines - Due Diligence Vendor-10/24/2024 |  | Resolved-The loan's (8.221%) APR equals or exceeds the Federal HPML threshold of (7.54%). 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 (6.04%).(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 301 and the Final Closing disclosure on Pg#'s 100 reflects escrows. Rate lock date was entered correctly – see Pg#'s 321 An interior and exterior appraisal was completed for this property – see pg 36-61, the appraisal disclosure was provided to the borrower(s)- see Pg#'393 and copy of the appraisal was given to the borrower – see Pg#'s 32-35. The loan meets HPML guidelines - Due Diligence Vendor-10/24/2024<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 2670571 | N/A | N/A |
| XXXX | 1115942 |  |  | Closed | 2024-11-07 13:52 | 2024-11-25 21:45 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Incomplete | Acknowledged-Acknowledged REO info is missing on 1003 - Due Diligence Vendor-11/25/2024 <br> Unable to Resolve-Unable to Resolve-XXXX Agrees to waive; please downgrade to a Non-Material Grade 2. - Buyer-11/21/2024 <br> Counter-Lender provided updated final 1003 page showing correct REO. <br> Please Provide final 1003 for LLC borrower. Finding countered. - Due Diligence Vendor-11/19/2024 <br> Ready for Review-Document Uploaded. - Buyer-11/15/2024 <br> Open-The Final 1003 is Incomplete 1. Provide final 1003 for current property address in REO section reflecting as second home it should be primary because borrower staying in same house<br> 2. Provide final 1003 for LLC borrower - Due Diligence Vendor-11/07/2024 |  | Acknowledged-Acknowledged REO info is missing on 1003 - Due Diligence Vendor-11/25/2024<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 2761325 | Investor Post-Close | No |
| XXXX | 1115941 |  |  | Closed | 2024-11-26 03:40 | 2024-12-02 21:22 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Incomplete | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-12/02/2024 <br> Unable to Resolve-Unable to Resolve-XXXX Acknowledged; please downgrade to a Non-Material Grade 2 - Buyer-11/27/2024 <br> Open-Missing 1003 for Business Entity Loan. - Due Diligence Vendor-11/26/2024 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-12/02/2024 |  |  |  | XXXX | Investment | Purchase | NA | 2882738 | Investor Post-Close | No |
| XXXX | 1115944 |  |  | Closed | 2025-01-10 08:21 | 2025-01-17 10:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business Purpose Affidavit provided. Resolved - Due Diligence Vendor-01/17/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/16/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Please provide the business purpose affidavit signed at closing - Due Diligence Vendor-01/10/2025 |  | Resolved-Business Purpose Affidavit provided. Resolved - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3178534 | N/A | N/A |
| XXXX | 1116012 |  |  | Closed | 2025-01-16 05:24 | 2025-01-22 10:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided. Resolved - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/21/2025 <br>Open-Title Document is Incomplete Missing vesting in borrower<br> - Due Diligence Vendor-01/16/2025 |  | Resolved-Title Document is Provided. Resolved - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3216625 | N/A | N/A |
| XXXX | 1116012 |  |  | Closed | 2025-01-16 06:39 | 2025-01-22 09:57 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 document provided. Resolved - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/21/2025 <br>Open-The 1008 document is missing from the loan file. Provided 1008 on page # 639 shows incorrect interest rate so getting variance in P&I value and DTI. - Due Diligence Vendor-01/16/2025 |  | Resolved-Updated 1008 document provided. Resolved - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3216857 | N/A | N/A |
| XXXX | 1116012 |  |  | Closed | 2025-01-16 11:21 | 2025-01-21 15:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Exception made for borrower living rent free with family - Due Diligence Vendor-01/16/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Exception made for borrower living rent free with family - Due Diligence Vendor-01/16/2025<br>|  |  | Self Employed in the same business for 8+ years<br> No history of derogatory payments listed on credit report<br> Borrower(s) have 150.95 months Reserves. Minimum required per guidelines is 6 months. | XXXX | Primary Residence | Purchase | NA | 3217500 | Originator Post-Close | Yes |
| XXXX | 1116012 |  |  | Closed | 2025-01-16 07:46 | 2025-01-16 11:23 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.063%) APR equals or exceeds the Federal HPML threshold of (8.27%). 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 (6.77%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 434 and the Final Closing disclosure on Pg# 194 reflects escrows. Rate lock date was entered correctly see Pg#'s 437 An interior and exterior appraisal was completed for this property – see pg 29. The loan meets HPML guidelines" - Due Diligence Vendor-01/16/2025 |  | Resolved-The loan's (10.063%) APR equals or exceeds the Federal HPML threshold of (8.27%). 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 (6.77%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 434 and the Final Closing disclosure on Pg# 194 reflects escrows. Rate lock date was entered correctly see Pg#'s 437 An interior and exterior appraisal was completed for this property – see pg 29. The loan meets HPML guidelines" - Due Diligence Vendor-01/16/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3217050 | N/A | N/A |
| XXXX | 1116012 |  |  | Closed | 2025-01-16 07:46 | 2025-01-16 11:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.063%) equals or exceeds the XXXX HPML threshold of (8.27%). 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 (6.77%).(XXXX. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 434 and the Final Closing disclosure on Pg# 194 reflects escrows. Rate lock date was entered correctly see Pg#'s 437 An interior and exterior appraisal was completed for this property – see pg 29. The loan meets HPML guidelines" - Due Diligence Vendor-01/16/2025 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.063%) equals or exceeds the XXXX HPML threshold of (8.27%). 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 (6.77%).(XXXX. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 434 and the Final Closing disclosure on Pg# 194 reflects escrows. Rate lock date was entered correctly see Pg#'s 437 An interior and exterior appraisal was completed for this property – see pg 29. The loan meets HPML guidelines" - Due Diligence Vendor-01/16/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 3217049 | N/A | N/A |
| XXXX | 1115908 |  |  | Closed | 2025-02-12 09:00 | 2025-02-25 21:21 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Explanation Provided, Resolved - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. Please see the attached PITI from our system, which shows a value of $1,268.49. Even if the PITI should have been $1,258.07, we approved the borrower at the higher PITI, and the borrower would still be within the guidelines. Please clear this finding, as it will not affect the standing or quality of this loan. - Buyer-02/25/2025 <br>Open-Originator DSCR is 1.340, The Calculated DSCR is as follows: Rents of $1700 / PITIA of $1,258.07 = 1.351 DSCR - Due Diligence Vendor-02/12/2025 |  | Resolved-Explanation Provided, Resolved - Due Diligence Vendor-02/25/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3404177 | N/A | N/A |
| XXXX | 1115908 |  |  | Closed | 2025-02-12 08:56 | 2025-02-25 21:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Ground rent utilized, OK per XXXX regulations. Resolved. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. This property is in XXXX where ground rent is common (goes back to the 18th century) and does not impact marketability of the property. Here's a link below the DD vendor can review. The state regulates the ground rent redemption process and it's straight forward / not that expensive to redeem ground rents but we don't require that as part of closing.<br>Understanding Ground Rent in XXXX \| The XXXX<br> - Buyer-02/25/2025 <br> Open-Provide copy of leasehold agreement with the expiration date, unable to verify the expiration date on the provided document. - Due Diligence Vendor-02/12/2025 |  | Resolved-Ground rent utilized, OK per XXXX regulations. Resolved. - Due Diligence Vendor-02/25/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 3404170 | N/A | N/A |
| XXXX | 1115908 |  |  | Closed | 2025-02-12 08:57 | 2025-02-25 12:00 | Resolved | 1 - Information B A | Credit | Doc Issue | Signature/Name Affidavit and AKA Statement is Unexecuted | Resolved-Borrower Name is verified on provided credit report and ID, Verified - Resovled - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. Please see the attached credit report and ID that support that that this is the borrower name, and AKA is not needed. - Buyer-02/25/2025 <br> Open-Provide executed copy of Signature/Name Affidavit and AKA Statement to verify AKA name 'XXXX' - Due Diligence Vendor-02/12/2025 |  | Resolved-Borrower Name is verified on provided credit report and ID, Verified - Resovled - Due Diligence Vendor-02/25/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3404171 | N/A | N/A |
| XXXX | 1115904 |  |  | Closed | 2025-02-18 09:37 | 2025-03-05 22:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Finding resolved. - Due Diligence Vendor-03/05/2025 <br>Ready for Review-We have additional documentation for the REO property of the borrower in the file. While the information on the final 1003 should be fully completed, it is not required for the underwriter when there is supporting documentation to confirm the responsible party for the REO. This condition should be classified as informational. Please downgrade and waive accordingly.<br>Compensating Factors: LTV is 5% below 1.0. Experienced lender. DSCR is above 1.25. - Buyer-03/04/2025 <br>Open-The Final 1003 is Incomplete How the title held for REO is not available. - Due Diligence Vendor-02/18/2025 |  | Resolved-Finding resolved. - Due Diligence Vendor-03/05/2025<br>|  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3436911 | N/A | N/A |
| XXXX | 1115904 |  |  | Closed | 2025-02-18 12:43 | 2025-03-05 22:06 | Resolved | 1 - Information C A | Credit | Eligibility | Credit history does not meet guidelines | Resolved-Exception approved - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. Please see attached exception from underwriter DH agrees with the underwriter exception - Buyer-03/04/2025 <br> Open-Manager Notes: Exception approved for bwrs' XXXX and XXXX payments being received late by private<br> lienholder. Based on explanation from lender, original private lender passed away causing a changing in<br> servicing as property was transferred to heirs and it was at lender request that payments were delayed.<br> Bwr is experienced investor with multiple rental properties in portfolio, has extensive depth of credit<br> and numerous satisfactory mortgage tradelines with only 2 isolated 30 day lates. DSCR > 1.25 based on<br> LTR<br>pg - 1316 - Due Diligence Vendor-02/18/2025 |  | Resolved-Exception approved - Due Diligence Vendor-03/05/2025<br>| XXXX |  | LTV is 63.3%. Maximum allowed per guidelines is 70%.<br>DSCR is 1.396%, Maximum allowed per guidelines is 1 | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3437371 | N/A | N/A |
| XXXX | 1115956 |  |  | Closed | 2025-02-26 06:21 | 2025-07-23 20:37 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-BPL EV2 - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Seller cannot produce, XXXX acknowledged. Please downgrade to Non-Material Grade 2<br> - Seller-02/28/2025 <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. initial Business Purpose Affidavit is Missing - Due Diligence Vendor-02/26/2025 | Ready for Review-Seller cannot produce, XXXX acknowledged. Please downgrade to Non-Material Grade 2<br> - Seller-02/28/2025 | Acknowledged-BPL EV2 - Due Diligence Vendor-03/04/2025<br>|  |  | FICO 767 (Min 720)<br> 43.78 Months reserves | XXXX | Investment | Purchase | NA | 3481731 | Originator Post-Close | No |
| XXXX | 1115956 |  |  | Closed | 2025-02-27 11:43 | 2025-03-03 23:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Lender provided executed Final Settlement statement. Finding resolved. - Due Diligence Vendor-03/03/2025 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-02/28/2025 <br>Open-Final HUD-1 Document is Missing. - Due Diligence Vendor-02/27/2025 |  | Resolved-Lender provided executed Final Settlement statement. Finding resolved. - Due Diligence Vendor-03/03/2025 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3490274 | N/A | N/A |
| XXXX | 1115956 |  |  | Closed | 2025-02-27 11:15 | 2025-03-03 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Permanent Resident Card uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/03/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/28/2025 <br>Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower 1 Non-US Citizen Identification Document Missing.<br>Acceptable evidence of lawful permanent residency must be documented and meet one of the following <br> criteria:<br> Ÿ I-151 – Permanent Resident Card (Green Card) that does not have an expiration date <br> Ÿ I-551 – Permanent Resident Card (Green Card) issued for 10 years that has not expired<br> Ÿ I-551 – Conditional Permanent Resident Card (Green Card) issued for 2 years that has an expiration <br> date, as long as it is accompanied by a copy of USCIS Form I-751 requesting removal of the <br> conditions<br> Ÿ Un-expired Foreign Passport with an un-expired stamp reading as follows: "Processed for I-551 <br> Temporary Evidence of Lawful Admission for Permanent Residence. Valid until mm-dd-yy. <br> Employment Authorized. - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/28/2025<br>| Resolved-Permanent Resident Card uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/03/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3490179 | N/A | N/A |
| XXXX | 1115984 |  |  | Closed | 2025-02-28 16:25 | 2025-03-07 13:11 | 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-03/07/2025 <br>Ready for Review-Document Uploaded. Only high alerts required to be cleared - Buyer-03/05/2025 <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-02/28/2025 |  | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/07/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3502247 | N/A | N/A |
| XXXX | 1115901 |  |  | Closed | 2025-03-04 06:44 | 2025-03-11 07:34 | Resolved | 1 - Information C A | Property | Appraisal | Review Product 1 Valuation is Expired | Resolved-1004D provided showing Date of Inspection as XXXX. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. Please see the attached appraisal dated XXXX, which is valid until XXXX. Kindly clear this finding. - Buyer-03/10/2025 <br> Open-Review Product 1 Valuation is Expired (Review Product 1 Valuation Date is greater than 120 days from the Note Date of XXXX. Days Difference is 136) CDA is greater than 120 days from the Note Date of XXXX - Due Diligence Vendor-03/04/2025 |  | Resolved-1004D provided showing Date of Inspection as XXXX - Due Diligence Vendor-03/11/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 3519009 | N/A | N/A |
| XXXX | 1115901 |  |  | Closed | 2025-03-04 16:49 | 2025-03-07 14:14 | Resolved | 1 - Information A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-Property potentially affected by FEMA Disaster ID XXXX - Declared XXXX with an Incident End Date of XXXX Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. Appraisal page 162 reflects no damages from storm and 1004D on pages 182 and 198 - Due Diligence Vendor-03/04/2025 |  | Resolved-Property potentially affected by FEMA Disaster ID XXXX - Declared XXXX with an Incident End Date of XXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. Appraisal page 162 reflects no damages from storm and 1004D on pages 182 and 198 - Due Diligence Vendor-03/04/2025 |  |  |  | XXXX | Investment | Purchase | NA | 3523222 | N/A | N/A |
| XXXX | 1116000 |  |  | Closed | 2025-03-07 07:31 | 2025-03-13 19:31 | Resolved | 1 - Information C A | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved-Resolved - Due Diligence Vendor-03/13/2025 <br>Open-Comment in LM - Due Diligence Vendor-03/13/2025 <br>Ready for Review-The actual APR is 8.567%, as indicated on the last page of the Final CD. Not sure how you are getting an APR of 7.6998% when the interest rate is 8.25%. - Seller-03/11/2025 <br>Open-The (8.567%) disclosed APR exceeds the actual APR of (7.6998%) by more than .125%. The ($506,173.69) disclosed finance charge does not exceed the actual finance charge of ($506,173.69); so the overdisclosed APR is not based upon an overdisclosed finance charge amount. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than 3 business days before consummation. If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after it is mailed or delivered. (12 CFR 1026.17(f); 1026.38; 1026.19(f); 1026.22(a)(2); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-03/07/2025 | Ready for Review-The actual APR is 8.567%, as indicated on the last page of the Final CD. Not sure how you are getting an APR of 7.6998% when the interest rate is 8.25%. - Seller-03/11/2025<br>| Resolved-Resolved - Due Diligence Vendor-03/13/2025<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | 3552164 | N/A | N/A |
| XXXX | 1116000 |  |  | Closed | 2025-03-07 07:31 | 2025-03-13 19:31 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Inaccurate APR Redisclosure and Waiting Period (Over-Disclosure) | Resolved-Resolved - Due Diligence Vendor-03/13/2025 <br>Open-Comment in LM - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. The actual APR is 8.567%, as indicated on the last page of the Final CD. Not sure how you are getting an APR of 7.6998% when the interest rate is 8.25%. - Seller-03/11/2025 <br>Open-The (8.567%) disclosed APR exceeds the actual APR of (7.6998%) by more than .125%. The ($506,173.69) disclosed finance charge does not exceed the actual finance charge of ($506,173.69); so the overdisclosed APR is not based upon an overdisclosed finance charge amount. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than 3 business days before consummation. If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after it is mailed or delivered. (12 CFR 1026.17(f); 1026.38; 1026.19(f); 1026.22(a)(2); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. The actual APR is 8.567%, as indicated on the last page of the Final CD. Not sure how you are getting an APR of 7.6998% when the interest rate is 8.25%. - Seller-03/11/2025<br>| Resolved-Resolved - Due Diligence Vendor-03/13/2025<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | 3552165 | N/A | N/A |
| XXXX | 1116000 |  |  | Closed | 2025-03-07 05:07 | 2025-03-13 14:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. LO signed 1003 uploaded for review. - Buyer-03/12/2025 <br>Open-The Initial 1003 is Missing Provide initial 1003 signed by loan originator. - Due Diligence Vendor-03/07/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/13/2025<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | 3551689 | N/A | N/A |
| XXXX | 1116000 |  |  | Closed | 2025-03-07 06:58 | 2025-03-13 11:20 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Requested proof in form of wire transaction for Gift amount of $XXXX Provided hence resolved. - Due Diligence Vendor-03/13/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. Gift docs uploaded for review. - Seller-03/12/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Provide Gift letter of $XXXX and copy of check of gift or wire transaction document. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. Gift docs uploaded for review. - Seller-03/12/2025<br>| Resolved-Requested proof in form of wire transaction for Gift amount of $XXXX Provided hence resolved. - Due Diligence Vendor-03/13/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-03/13/2025 | XXXX |  |  | XXXX | Second Home | Purchase | NA | 3552085 | N/A | N/A |
| XXXX | 1116000 |  |  | Closed | 2025-03-07 06:58 | 2025-03-13 11:20 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Requested proof in form of wire transaction for Gift amount of $XXXX Provided hence resolved. - Due Diligence Vendor-03/13/2025 <br> Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. Gift docs uploaded for review. - Seller-03/12/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements Provide Gift letter of $XXXX and copy of check of gift or wire transaction document. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. Gift docs uploaded for review. - Seller-03/12/2025<br>| Resolved-Requested proof in form of wire transaction for Gift amount of $XXXX Provided hence resolved. - Due Diligence Vendor-03/13/2025 <br> Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-03/13/2025 | XXXX |  |  | XXXX | Second Home | Purchase | NA | 3552086 | N/A | N/A |
| XXXX | 1115929 |  |  | Closed | 2025-03-05 05:55 | 2025-03-19 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Required Document Provided, Changes Made in system, Finding Resolved.<br> - Due Diligence Vendor-03/19/2025 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. Please see the attached credit report. - Buyer-03/18/2025 <br>Open-Borrower 1 Credit Report is Missing. Credit Report is missing - Due Diligence Vendor-03/05/2025 |  | Resolved-Required Document Provided, Changes Made in system, Finding Resolved.<br> - Due Diligence Vendor-03/19/2025 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3528707 | N/A | N/A |
| XXXX | 1115929 |  |  | Closed | 2025-03-05 07:07 | 2025-03-08 14:04 | 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 Lender provided approved exception in file, p. 1290, for loan amount at $XXXX which is below the minimum requirement of $XXXX Reserves pending review, however, appear to be over 24 months. Exception <br> to be resubmitted if reserved drop below 24 months. Finding waived. <br> - Due Diligence Vendor-03/05/2025 |  | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX Lender provided approved exception in file, p. 1290, for loan amount at $XXXX which is below the minimum requirement of $XXXX Reserves pending review, however, appear to be over 24 months. Exception <br> to be resubmitted if reserved drop below 24 months. Finding waived. <br> - Due Diligence Vendor-03/05/2025 |  |  | Compensating Factors:<br> 1.LTV is 75%. Maximum allowed per guidelines is 75%.<br> 2.Credit Score is 684. Minimum required per guidelines is 680. | XXXX | Investment | Purchase | NA | 3528915 | Originator Pre-Close | Yes |
| XXXX | 1115980 |  |  | Closed | 2025-03-07 11:39 | 2025-03-13 11:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Qualifying lender is XXXX & as Per XXXX Guidelines only 1 Affidavit needs to sign, we do not require initial hence resolved. - Due Diligence Vendor-03/13/2025 <br> Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-03/13/2025 <br> Ready for Review-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-03/13/2025 <br> Ready for Review-Per XXXX GL only 1 affidavit required to be signed. - Buyer-03/13/2025 <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. Initial Business Purpose Affidavit is missing in file. - Due Diligence Vendor-03/07/2025 |  | Resolved-Qualifying lender is XXXX & as Per XXXX Guidelines only 1 Affidavit needs to sign, we do not require initial hence resolved. - Due Diligence Vendor-03/13/2025 <br> Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-03/13/2025 |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3552944 | N/A | N/A |
| XXXX | 1115952 |  |  | Closed | 2025-03-07 07:18 | 2025-03-13 11:38 | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-Guaranty Agreement Document provided. - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. guaranty attached. - Buyer-03/12/2025 <br>Open-Guaranty Agreement Doc is Missing in file - Due Diligence Vendor-03/07/2025 |  | Resolved-Guaranty Agreement Document provided. - Due Diligence Vendor-03/13/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3552140 | N/A | N/A |
| XXXX | 1115952 |  |  | Closed | 2025-03-07 08:31 | 2025-03-11 21:59 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Incomplete | Acknowledged-DH Acknowledges - Due Diligence Vendor-03/11/2025 <br>Unable to Resolve-Unable to Resolve-DH Agrees to waive; please downgrade to a Non-Material Grade 2.<br> - Buyer-03/11/2025 <br>Open-The Final 1003 is Incomplete 1003 required for Business Entity. - Due Diligence Vendor-03/07/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-03/11/2025 |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3552309 | Investor Post-Close | No |
| XXXX | 1115999 |  |  | Closed | 2025-03-07 09:28 | 2025-03-24 19:27 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Lender provided corrected HUD1 with max prepayment penalty as $XXXX. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Lender provided corrected HUD1 with max prepayment penalty as $XXXX. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-03/20/2025 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Updated as per Prepayment Penalty addendum docs showing Prepayment Penalty Calculation 6 months Prepayments within any 12-month period exceeds XXXX (XXXX and Prepayment Penalty Term is XXXX, Penalty Amount XXXX but in final Hud Penalty Amount showing XXXX .<br> - Due Diligence Vendor-03/07/2025 |  | Resolved-Lender provided corrected HUD1 with max prepayment penalty as $XXXX. - Due Diligence Vendor-03/24/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3552401 | N/A | N/A |
| XXXX | 1115982 |  |  | Closed | 2025-03-09 06:43 | 2025-07-23 20:39 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-DH Acknowledges - Due Diligence Vendor-03/11/2025 <br> Unable to Resolve-Unable to Resolve-Seller cannot produce, XXXX acknowledged. Please downgrade to Non-Material Grade 2<br> - Buyer-03/11/2025 <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. Final Business Purpose Affidavit Disclosure present on page #272, Initial Business Purpose Affidavit Disclosure is missing - Due Diligence Vendor-03/09/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-03/11/2025 |  |  | 770 FICO Score (Min 720)<br> 74.73 Months reserves | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3564683 | Investor Post-Close | No |
| XXXX | 1115963 |  |  | Closed | 2025-03-12 18:13 | 2025-03-13 19:55 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-BPL EV2 - Due Diligence Vendor-03/13/2025 <br> Unable to Resolve-Unable to Resolve-please waive the LLC 1003 we do not require that. XXXX Agrees to waive; please downgrade to a Non-Material Grade 2.<br> - Seller-03/13/2025 <br> Counter-The 1003 requested was for the final 1003 signed at closing by B1 and for LLC. - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. attached - Seller-03/12/2025 <br> Open-The Final 1003 is Missing The final 1003 is missing from the file. This is missing for both B1 and the LLC. - Due Diligence Vendor-03/12/2025 | Unable to Resolve-Unable to Resolve-please waive the LLC 1003 we do not require that. XXXX Agrees to waive; please downgrade to a Non-Material Grade 2.<br> - Seller-03/13/2025 <br> Ready for Review-Document Uploaded. attached - Seller-03/12/2025 | Acknowledged-BPL EV2 - Due Diligence Vendor-03/13/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3594175 | Originator Post-Close | No |
| XXXX | 1115963 |  |  | Closed | 2025-03-12 18:04 | 2025-03-13 17:15 | Resolved | 1 - Information C A | Credit | Credit | Missing condo documentation. | Resolved-Condo questionnaire provided - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. attached - Seller-03/12/2025 <br>Open-Condo questionnaire is missing from the file. - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. attached - Seller-03/12/2025<br>| Resolved-Condo questionnaire provided - Due Diligence Vendor-03/13/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3594091 | N/A | N/A |
| XXXX | 1115963 |  |  | Closed | 2025-03-08 07:27 | 2025-03-13 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Requested Final Business purpose approval disclosure provided hence resolved. - Due Diligence Vendor-03/13/2025 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-03/12/2025 <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. Closing date of Business Purpose Affidavit Disclosure is missing .provide the same document - Due Diligence Vendor-03/08/2025 |  | Resolved-Requested Final Business purpose approval disclosure provided hence resolved. - Due Diligence Vendor-03/13/2025 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-03/13/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3563158 | N/A | N/A |
| XXXX | 1115957 |  |  | Closed | 2025-03-08 09:44 | 2025-03-14 07:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/14/2025 <br>Ready for Review-Document Uploaded. SE VOE uploaded for review. - Buyer-03/13/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/08/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3563330 | N/A | N/A |
| XXXX | 1115957 |  |  | Closed | 2025-03-08 10:49 | 2025-03-12 14:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.214%) APR equals or exceeds the Federal HPML threshold of (8.38%). 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 (6.88%).(12 CFR 1026.35(a)(1)(i)) HPML-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 664 and the Final Closing disclosure on Pg#'s 262 , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 712. An interior and exterior appraisal was completed for this property – see pg 87, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 699, and confirmation the appraisal was delivered to the borrower – see Pg#'s 69. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-03/08/2025 |  | Resolved-The loan's (10.214%) APR equals or exceeds the Federal HPML threshold of (8.38%). 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 (6.88%).(12 CFR 1026.35(a)(1)(i)) HPML-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 664 and the Final Closing disclosure on Pg#'s 262 , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 712. An interior and exterior appraisal was completed for this property – see pg 87, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 699, and confirmation the appraisal was delivered to the borrower – see Pg#'s 69. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-03/08/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3563432 | N/A | N/A |
| XXXX | 1115983 |  |  | Closed | 2025-03-11 20:16 | 2025-03-13 13:05 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Page 427 reflects an extra $112.5 monthly for water sewer which makes PITIA $3057.64 - Due Diligence Vendor-03/13/2025 <br> Ready for Review-The DSCR of 1.047 is correct. Calculation as follows: 3200/3057.64 - Buyer-03/12/2025 <br> Open-Per 1007 market rent of $3200/$2945.14= 1.087 however tape data reflects 1.047. DSCR worksheet was not provided - Due Diligence Vendor-03/11/2025 |  | Resolved-Page 427 reflects an extra $112.5 monthly for water sewer which makes PITIA $3057.64 - Due Diligence Vendor-03/13/2025<br>|  |  |  | XXXX | Investment | Purchase | NA | 3585557 | N/A | N/A |
| XXXX | 1116006 |  |  | Closed | 2025-03-07 11:40 | 2025-03-13 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved. - Due Diligence Vendor-03/13/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. VOe attached - Buyer-03/12/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd Party VOE for borrower business - Due Diligence Vendor-03/07/2025 |  | Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved. - Due Diligence Vendor-03/13/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/13/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3552947 | N/A | N/A |
| XXXX | 1115931 |  |  | Closed | 2025-03-12 17:48 | 2025-03-26 23:22 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-HOA amount is difference causing discrepancy in DSCR Calculation. DSCR above program requirements Resolved. - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. Please review the attached PITI breakdown used for the DSCR calculations. - Buyer-03/26/2025 <br>Counter-Proposed PITI as confirmed via snippet does not match calculated PITI as originally provided in finding. Please confirm. Finding countered. - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. DSCR numbers 2,500/2,337.38 piti=1.070 - Buyer-03/18/2025 <br>Open-Document Uploaded. The calculation validating the correct DSCR is as follows: Rent of $2500/ PITIA of $2,269.88= 1.101 DSCR. Originator DSCR 1.070. Please confirm. - Due Diligence Vendor-03/12/2025 |  | Resolved-HOA amount is difference causing discrepancy in DSCR Calculation. DSCR above program requirements Resolved. - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3593868 | N/A | N/A |
| XXXX | 1115931 |  |  | Closed | 2025-03-10 12:56 | 2025-03-12 17:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Exception available in page no #747.<br> Manager Notes: Exception approved for borrower who does not own or rent a primary residence on the DSCR loan program. The borrower currently lives rent free at the primary residence and has lived rent free for the last 5 plus years. The borrower owns other rental properties in the same area and within the same value range. Finding waived. - Due Diligence Vendor-03/10/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Exception available in page no #747.<br> Manager Notes: Exception approved for borrower who does not own or rent a primary residence on the DSCR loan program. The borrower currently lives rent free at the primary residence and has lived rent free for the last 5 plus years. The borrower owns other rental properties in the same area and within the same value range. Finding waived. - Due Diligence Vendor-03/10/2025<br>|  |  | Credit Score is 761. Minimum required per guidelines is 740.<br> LTV is 75%. Maximum allowed per guidelines is 80%.<br>| XXXX | Investment | Purchase | NA | 3567643 | Originator Pre-Close | Yes |
| XXXX | 1116009 |  |  | Closed | 2025-03-10 17:39 | 2025-03-12 15:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 2 Missing | Resolved-Final 1003 is updated, rescinded. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. the only asset depletion we used was from account XXXX and we provided the worksheet - Seller-03/11/2025 <br> Open-As per the Final 1003 assets used for Asset Depletion include Wells accounts XXXX and XXXX. Account statements for account# XXXX are not in file. Requesting account statements for account# 53XXXX76. - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. the only asset depletion we used was from account XXX and we provided the worksheet - Seller-03/11/2025<br>| Resolved-Final 1003 is updated, rescinded. - Due Diligence Vendor-03/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3572066 | N/A | N/A |
| XXXX | 1116009 |  |  | Closed | 2025-03-10 13:11 | 2025-03-10 16:22 | 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 Max allowable cash out as per guidelines is $XXXX, whereas borrower is getting $XXXX as cash at closing. Exception on the file for the same pg#224 - Due Diligence Vendor-03/10/2025 |  | Waived-Cash Out is not completed according to the guideline requirements Max allowable cash out as per guidelines is $XXXX, whereas borrower is getting $XXXX as cash at closing. Exception on the file for the same pg#224 - Due Diligence Vendor-03/10/2025 |  |  | 1. Qualifying LTV is 32.72%. Maximum allowed per guidelines is 75%.<br> 2. Qualifying Credit Score is 822. Minimum required per guidelines is 720.<br>| XXXX | Primary Residence | Refinance | Cash Out - Other | 3567811 | Originator Pre-Close | Yes |
| XXXX | 1115959 |  |  | Closed | 2025-03-12 11:35 | 2025-03-17 16:53 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Incomplete | Acknowledged-DH Acknowledges - Due Diligence Vendor-03/17/2025 <br>Unable to Resolve-Unable to Resolve-DH Agrees to waive; please downgrade to a Non-Material Grade 2 - Buyer-03/13/2025 <br>Open-Missing final 1003 for business entity. <br> - Due Diligence Vendor-03/12/2025 |  | Acknowledged-DH Acknowledges - Due Diligence Vendor-03/17/2025<br>|  |  |  | XXXX | Investment | Purchase | NA | 3589056 | Investor Post-Close | No |
| XXXX | 1116005 |  |  | Closed | 2025-03-11 07:02 | 2025-03-18 18:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/18/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Confirmed no new debt alerts on XXXX report provided - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. Gap Report/DM uploaded for review. - Buyer-03/14/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/11/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/18/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Confirmed no new debt alerts on XXXX report provided - Due Diligence Vendor-03/18/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3577562 | N/A | N/A |
| XXXX | 1116005 |  |  | Closed | 2025-03-11 13:08 | 2025-03-18 18:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Updated to 1003 page, resolved. - Due Diligence Vendor-03/18/2025 <br>Ready for Review-Document Uploaded. Initial 1003 uploaded for review - Buyer-03/14/2025 <br>Open-The Initial 1003 is Missing Missing initial 1003. - Due Diligence Vendor-03/11/2025 |  | Resolved-The Initial 1003 is Present - Updated to 1003 page, resolved. - Due Diligence Vendor-03/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3579354 | N/A | N/A |
| XXXX | 1116005 |  |  | Closed | 2025-03-11 07:07 | 2025-03-17 11:08 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-One-Unit Residential Appraisal Field Review Report uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-03/17/2025 <br>Ready for Review-Document Uploaded. Appraisal Secondary Valuation uploaded for review. - Buyer-03/14/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 CU score is greater than 2.5. Missing desk review. - Due Diligence Vendor-03/11/2025 |  | Resolved-One-Unit Residential Appraisal Field Review Report uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-03/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3577581 | N/A | N/A |
| XXXX | 1115997 |  |  | Closed | 2025-03-10 16:17 | 2025-03-28 20:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Lender provided Hazard Insurance Policy for subject property. Condition resolved. - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. correct policy attached. - Seller-03/27/2025 <br> Counter-Lender provided Hazard insurance policy for property located at XXXX. Condition remains as missing policy for subject property located at XXXX. - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. hazard attached. - Seller-03/17/2025 <br> Open-Missing Hazard Insurance Policy Hazard Insurance Policy for subject property missing in file. - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. correct policy attached. - Seller-03/27/2025 <br>Ready for Review-Document Uploaded. hazard attached. - Seller-03/17/2025<br>| Resolved-Lender provided Hazard Insurance Policy for subject property. Condition resolved. - Due Diligence Vendor-03/28/2025<br>| XXXX |  | 774 FICO. 660 Min.<br> Over 23 months PITIA Reserves. 6 months PITI reserves min. | XXXX | Primary Residence | Purchase | NA | 3570816 | N/A | N/A |
| XXXX | 1115997 |  |  | Closed | 2025-03-10 15:45 | 2025-03-18 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Worksheet Provided. Resolved - Due Diligence Vendor-03/18/2025 <br>Ready for Review-Document Uploaded. attached. - Seller-03/17/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income Calculator is Missing in the loan file. - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. attached. - Seller-03/17/2025<br>| Resolved-Income Worksheet Provided. Resolved - Due Diligence Vendor-03/18/2025<br>| XXXX |  | 774 FICO. 660 Min.<br> Over 23 months PITIA Reserves. 6 months PITI reserves min. | XXXX | Primary Residence | Purchase | NA | 3570355 | N/A | N/A |
| XXXX | 1115997 |  |  | Closed | 2025-03-10 16:05 | 2025-03-18 08:30 | 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-03/18/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/18/2025 <br>Ready for Review-Document Uploaded. attached. - Seller-03/17/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. attached. - Seller-03/17/2025<br>| Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-03/18/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3570651 | N/A | N/A |
| XXXX | 1115997 |  |  | Closed | 2025-03-10 16:05 | 2025-03-18 08:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report provided.<br> - Due Diligence Vendor-03/18/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/18/2025 <br>Ready for Review-Document Uploaded. LQI attached. - Buyer-03/17/2025 <br>Open-Borrower 2 Gap Credit Report is Missing 660 Min. Gap Credit Report is Missing - Due Diligence Vendor-03/11/2025 |  | Resolved-Borrower 2 Gap Credit Report provided.<br> - Due Diligence Vendor-03/18/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3570652 | N/A | N/A |
| XXXX | 1116004 |  |  | Closed | 2025-03-11 13:53 | 2025-03-18 11:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business purpose affidavit provided - Due Diligence Vendor-03/18/2025 <br>Open-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-03/18/2025 <br>Ready for Review-Document Uploaded. aTtached - Buyer-03/17/2025 <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. Borrower signed Business Purpose Affidavit Disclosure document missing from file. - Due Diligence Vendor-03/11/2025 |  | Resolved-Business purpose affidavit provided - Due Diligence Vendor-03/18/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3579934 | N/A | N/A |
| XXXX | 1116004 |  |  | Closed | 2025-03-17 16:09 | 2025-03-17 17:08 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Incomplete | Acknowledged-DH Acknowledges - Due Diligence Vendor-03/17/2025 <br>Unable to Resolve-Unable to Resolve-DH Agrees to waive; please downgrade to a Non-Material Grade 2.<br> - Buyer-03/17/2025 <br>Open-Note is signed by member of business entity, an application is required for business entity per guidelnes - Due Diligence Vendor-03/17/2025 |  | Acknowledged-DH Acknowledges - Due Diligence Vendor-03/17/2025<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3626617 | Investor Post-Close | No |
| XXXX | 1115940 |  |  | Closed | 2025-03-13 19:32 | 2025-03-20 12:19 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. Lease was provided. We have the fully executed lease and proof of receipt of security/1st month's rent (equal to market rent). Please clear as presented, thank you - Buyer-03/19/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% Unleased refinance max LTV is 70%, lease was not provided appraisal reflects vacant exception was not provided - Due Diligence Vendor-03/13/2025 |  | Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-03/20/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3607017 | N/A | N/A |
| XXXX | 1115995 |  |  | Closed | 2025-03-25 17:42 | 2025-04-09 16:47 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-DTI is below 50% and within guidelines, Resolved. - Due Diligence Vendor-04/09/2025 <br>Ready for Review- - Due Diligence Vendor-04/09/2025 <br>Open- - Due Diligence Vendor-04/09/2025 <br>Open-Audited DTI Exceeds Guideline DTI Audited DTI of 71.81% exceeds guideline maximum. - Due Diligence Vendor-03/25/2025 | Ready for Review-We got the DTI to the below. Our income is also matching. Are we able to get the last condition cleared, please? - Due Diligence Vendor-04/09/2025 <br>| Resolved-DTI is below 50% and within guidelines, Resolved. - Due Diligence Vendor-04/09/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3691096 | N/A | N/A |
| XXXX | 1115995 |  |  | Closed | 2025-03-13 10:44 | 2025-04-04 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Required Document Provided, Changes Made in system, Finding Resolved. - Due Diligence Vendor-03/19/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. see attached. UDM ends 5/15/2025 - Buyer-03/18/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower Gap Credit Report is Missing in file. - Due Diligence Vendor-03/13/2025 |  | Resolved-Required Document Provided, Changes Made in system, Finding Resolved. - Due Diligence Vendor-03/19/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3599798 | N/A | N/A |
| XXXX | 1115995 |  |  | Closed | 2025-03-13 12:42 | 2025-03-19 12:44 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Required Document Provided, Changes Made in system, Finding Resolved. - Due Diligence Vendor-03/19/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. updated 1008 - Buyer-03/18/2025 <br>Open-The 1008 document is missing from the loan file. Borrower income, appraisal value and all other monthly liabilities are updated incorrect in 1008 document, due to incorrect appraisal value LTV mismatched between 1008 and diligence final look. we need updated 1008. - Due Diligence Vendor-03/13/2025 |  | Resolved-Required Document Provided, Changes Made in system, Finding Resolved. - Due Diligence Vendor-03/19/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3600651 | N/A | N/A |
| XXXX | 1115985 |  |  | Closed | 2025-03-14 13:20 | 2025-03-28 22:21 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Options Disclosure Provided, Resolved. - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Please explain, this disclosure has been accepted by you on multiple other files for this condition. - Seller-03/24/2025 <br>Counter-Disclosure provided does not specify that it is for Anti-Steering. Please provide Anti-Steering Disclosure. Finding countered. - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. Anti-Steering Disclosure uploaded for review. - Seller-03/20/2025 <br>Open-Anti - Steering Disclosure is missing on the file - Due Diligence Vendor-03/14/2025 | Ready for Review-Please explain, this disclosure has been accepted by you on multiple other files for this condition. - Seller-03/24/2025 <br>Ready for Review-Document Uploaded. Anti-Steering Disclosure uploaded for review. - Seller-03/20/2025<br>| Resolved-Options Disclosure Provided, Resolved. - Due Diligence Vendor-03/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3612077 | N/A | N/A |
| XXXX | 1115985 |  |  | Closed | 2025-03-13 11:28 | 2025-03-20 12:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. Gap report uploaded for review - Seller-03/19/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower Gap Credit Report is Missing on the attached Documents - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. Gap report uploaded for review - Seller-03/19/2025<br>| Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-03/20/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3600095 | N/A | N/A |
| XXXX | 1115985 |  |  | Closed | 2025-03-13 12:32 | 2025-03-20 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. SE VOE uploaded for review - Seller-03/19/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 3rd Party VOE Prior to Close Missing on the attached Documents - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. SE VOE uploaded for review - Seller-03/19/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-03/20/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3600563 | N/A | N/A |
| XXXX | 1115968 |  |  | Closed | 2025-03-13 12:15 | 2025-03-19 12:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Borrower photo identification ID missing in file. - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. ID - Buyer-03/18/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing . - Due Diligence Vendor-03/13/2025 |  | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3600406 | N/A | N/A |
| XXXX | 1115968 |  |  | Closed | 2025-03-14 04:11 | 2025-03-19 12:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. fraud attached - Buyer-03/18/2025 <br>Open-Missing Third Party Fraud Report Fraud report missing in file. - Due Diligence Vendor-03/14/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3609536 | N/A | N/A |
| XXXX | 1115968 |  |  | Closed | 2025-03-13 14:34 | 2025-03-19 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. hazard attached - Buyer-03/18/2025 <br>Open-Missing Hazard Insurance Policy Hazard insurance document missing in file. - Due Diligence Vendor-03/14/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3602211 | N/A | N/A |
| XXXX | 1115961 |  |  | Closed | 2025-03-13 06:04 | 2025-03-21 08:59 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Document uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/21/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. title updated and attached - Buyer-03/20/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Coverage amount on policy provided is less than Loan amount. - Due Diligence Vendor-03/13/2025 |  | Resolved-Updated Title Document uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/21/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/21/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 3598980 | N/A | N/A |
| XXXX | 1115936 |  |  | Closed | 2025-03-17 09:09 | 2025-03-19 02:39 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception on page#1516 approved to proceed with property requiring > $2,000 in deferred maintenance. Subject requires installation of interior access to 1st floor bed/bath which are not accessible from 2nd floor main living area - Due Diligence Vendor-03/17/2025 |  | Waived-Exception on page#1516 approved to proceed with property requiring > $2,000 in deferred maintenance. Subject requires installation of interior access to 1st floor bed/bath which are not accessible from 2nd floor main living area - Due Diligence Vendor-03/17/2025<br>|  |  | 1.LTV is 46.11%. Maximum allowed per guidelines is 80%.<br> 2.Borrower(s) have 92.99 months Reserves. Minimum required per guidelines is 3 months.<br> 3. Credit Score is 740. Minimum required per guidelines is 660.<br>| XXXX | Investment | Purchase | NA | 3622834 | Originator Pre-Close | Yes |
| XXXX | 1115991 |  |  | Closed | 2025-03-19 04:37 | 2025-03-25 16:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/25/2025 <br>Resolved-Gap Report provided. Resolved<br> - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. Gap Report uploaded for review. - Buyer-03/25/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Borrower 1 Gap Credit Report. - Due Diligence Vendor-03/19/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/25/2025 <br>Resolved-Gap Report provided. Resolved<br> - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3642760 | N/A | N/A |
| XXXX | 1115991 |  |  | Closed | 2025-03-24 14:29 | 2025-03-25 16:45 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Anti-Steering Disclosure provided. Resolved<br> - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. Anti-Steering Disclosure uploaded for review. - Buyer-03/25/2025 <br>Open-Missing anti-steering disclosure. - Due Diligence Vendor-03/24/2025 |  | Resolved-Anti-Steering Disclosure provided. Resolved<br> - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3678990 | N/A | N/A |
| XXXX | 1115925 |  |  | Closed | 2025-03-19 06:06 | 2025-03-27 15:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approve exception for < 12 months housing history for primary residence. Lender has 10 months (8 on credit report and Feb, March statements showing paid) however didn't ask for previous VOR of 4 years to complete the 12 month look back. Finding waived. - Due Diligence Vendor-03/27/2025 <br>Ready for Review-Document Uploaded. Please see exception and compensating factors to clear this exception, thank you. - Buyer-03/26/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Primary Mortgage or Current Rent History considered as 8 per credit report page #340 which shows 8 months reviewed, borrower previous primary residence is rented and VOR is missing for the same to validate. - Due Diligence Vendor-03/19/2025 |  | Waived-Lender provided approve exception for < 12 months housing history for primary residence. Lender has 10 months (8 on credit report and Feb, March statements showing paid) however didn't ask for previous VOR of 4 years to complete the 12 month look back. Finding waived. - Due Diligence Vendor-03/27/2025<br>| XXXX |  | Originator Comp Factors:<br> 1. Credit Score is 699. Minimum required per guidelines is 680.<br> 2. Borrower(s) have 144.56 months Reserves. Minimum required per guidelines is 6 months.<br> 3. LTV is 58.93%. Maximum allowed per guidelines is 75%.<br> 4. DSCR is 1.573. Minimum required per guidelines is 1. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3643031 | Originator Post-Close | Yes |
| XXXX | 1115925 |  |  | Closed | 2025-03-19 06:29 | 2025-03-25 10:32 | Resolved | 1 - Information C A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved-Requested Fraud report attached with Cleared alerts hence resolved. - Due Diligence Vendor-03/25/2025 <br>Resolved-Potential Fraud Reflected on Fraud Report is Resolved or None Exists - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. The fraud alert has all three findings cleared by UW. Please see highlighted in yellow. Kindly please clear, thank you. - Buyer-03/24/2025 <br>Open-Potential Fraud Reflected on Fraud Report Provide either updated fraud report with cleared alerts or LOX for the reason for alerts. - Due Diligence Vendor-03/19/2025 |  | Resolved-Requested Fraud report attached with Cleared alerts hence resolved. - Due Diligence Vendor-03/25/2025 <br>Resolved-Potential Fraud Reflected on Fraud Report is Resolved or None Exists - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3643145 | N/A | N/A |
| XXXX | 1115925 |  |  | Closed | 2025-03-19 07:47 | 2025-03-21 15:58 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Lender provided approved exception in file, p. 884, to allow for use of current appraised value to determine LTV, when acquisition date is less than six months from application date. Finding waived. - Due Diligence Vendor-03/19/2025 |  | Waived-Lender provided approved exception in file, p. 884, to allow for use of current appraised value to determine LTV, when acquisition date is less than six months from application date. Finding waived. - Due Diligence Vendor-03/19/2025<br>|  |  | DSCR is 1.573. Minimum required per guidelines is 1.<br> LTV is 58.93%. Maximum allowed per guidelines is 75%.<br> Borrower(s) have 144.56 months Reserves. Minimum required per guidelines is 3 months. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3643578 | Originator Pre-Close | Yes |
| XXXX | 1115925 |  |  | Closed | 2025-03-19 07:49 | 2025-03-21 15:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Lender provided approved exception in file, p. 884, to allow three charged off accounts to remain unpaid. Accounts are aged well over six years and borrower has sufficient funds to cover the cumulative amount of $XXXX. Finding waived. - Due Diligence Vendor-03/19/2025 |  | Waived-Lender provided approved exception in file, p. 884, to allow three charged off accounts to remain unpaid. Accounts are aged well over six years and borrower has sufficient funds to cover the cumulative amount of $XXXX. Finding waived. - Due Diligence Vendor-03/19/2025 |  |  | DSCR is 1.573. Minimum required per guidelines is 1.<br> LTV is 58.93%. Maximum allowed per guidelines is 75%.<br> Borrower(s) have 144.56 months Reserves. Minimum required per guidelines is 3 months. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3643587 | Originator Pre-Close | Yes |
| XXXX | 1115906 |  |  | Closed | 2025-03-19 10:55 | 2025-03-24 14:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Exception on page #1586<br> - Manager Notes: Exception approved for B2 who does not own or rent a primary residence on the DSCR loan program. B2 currently lives rent free at the primary residence with family and has lived rent free for the last 5 years. B2 owns the subject property with B1. B1 does own a primary. - Due Diligence Vendor-03/19/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Exception on page #1586<br> - Manager Notes: Exception approved for B2 who does not own or rent a primary residence on the DSCR loan program. B2 currently lives rent free at the primary residence with family and has lived rent free for the last 5 years. B2 owns the subject property with B1. B1 does own a primary. - Due Diligence Vendor-03/19/2025<br>|  |  | LTV is 67.89%. Maximum allowed per guidelines is 75%.<br> Credit Score is 748. Minimum required per guidelines is 660.<br> Borrower Housing History is 0X30, 36 months. Housing History required per guidelines is 0X30, 12 months. | XXXX | Investment | Refinance | Cash Out - Other | 3644178 | Originator Pre-Close | Yes |
| XXXX | 1115906 |  |  | Closed | 2025-03-24 14:11 | 2025-03-24 14:17 | Waived | 2 - Non-Material B | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Waived- Exception on page 1585 approved to allow STR 1007 to calculate the DSCR, which is slightly higher than combo of XXXX and XXXX. However, property was under renovation in XXXX and not fully listed/marketed until XXXX. - Due Diligence Vendor-03/24/2025 |  | Waived- Exception on page 1585 approved to allow STR 1007 to calculate the DSCR, which is slightly higher than combo of XXXX and XXXX. However, property was under renovation in XXXX and not fully listed/marketed until XXXX. - Due Diligence Vendor-03/24/2025 |  |  | LTV is 67.89%. Maximum allowed per guidelines is 75%.<br> Credit Score is 748. Minimum required per guidelines is 660.<br> Borrower Housing History is 0X30, 36 months. Housing History required per guidelines is 0X30, 12 months. | XXXX | Investment | Refinance | Cash Out - Other | 3678700 | Originator Pre-Close | Yes |
| XXXX | 1115906 |  |  | Closed | 2025-03-19 08:21 | 2025-03-24 14:16 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception on page #1586<br> - Manager Notes: Exception approved to accept transferred appraisal not ordered through an XXXX. Transferring lender (also broker) has their own appraiser independence policy and panel of appraisers. File contains independence cert, transfer letter, and proof of delivery. CDA confirms value without variance. Does XXXX agree ? - Due Diligence Vendor-03/19/2025 |  | Waived-Exception on page #1586<br> - Manager Notes: Exception approved to accept transferred appraisal not ordered through an XXXX. Transferring lender (also broker) has their own appraiser independence policy and panel of appraisers. File contains independence cert, transfer letter, and proof of delivery. CDA confirms value without variance. Does XXXX agree ? - Due Diligence Vendor-03/19/2025 |  |  | LTV is 67.89%. Maximum allowed per guidelines is 75%.<br> Credit Score is 748. Minimum required per guidelines is 660.<br> Borrower Housing History is 0X30, 36 months. Housing History required per guidelines is 0X30, 12 months.<br>| XXXX | Investment | Refinance | Cash Out - Other | 3643734 | Originator Pre-Close | Yes |
| XXXX | 1115939 |  |  | Closed | 2025-03-18 05:30 | 2025-03-24 18:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount We have an exception in file on page #857 for " Exception approved for loan amount $XXXX vs $XXXX min. - Due Diligence Vendor-03/18/2025 |  | Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount We have an exception in file on page #857 for " Exception approved for loan amount $XXXX vs $XXXX min. - Due Diligence Vendor-03/18/2025 |  |  | 1. DSCR is 1.128. Minimum required per guidelines is 1.<br> 2. Borrower(s) have 74.6 months Reserves. Minimum required per guidelines is 3 months.<br>| XXXX | Investment | Refinance | Cash Out - Other | 3632655 | Originator Pre-Close | Yes |
| XXXX | 1115965 |  |  | Closed | 2025-03-20 10:55 | 2025-04-11 12:05 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-Sec of state provided with Entity ID # - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. documents attached. - Buyer-04/10/2025 <br>Open-Business Entity Formation Doc Missing. Need Entity document to verify EIN number. - Due Diligence Vendor-03/20/2025 |  | Resolved-Sec of state provided with Entity ID # - Due Diligence Vendor-04/11/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3654965 | N/A | N/A |
| XXXX | 1115965 |  |  | Closed | 2025-03-19 04:47 | 2025-04-10 11:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Scriveners affidavit with corrected date provided - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. see attached. - Buyer-04/09/2025 <br> Open-The Deed of Trust is Incomplete Security Instrument Date is XXXX after the note date on DOT page#354 reflecting as XXXX - Due Diligence Vendor-03/19/2025 |  | Resolved-Scriveners affidavit with corrected date provided - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3642783 | N/A | N/A |
| XXXX | 1115965 |  |  | Closed | 2025-03-19 05:06 | 2025-03-31 06:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Final Business Purpose Affidavit Disclosure document provided. - Due Diligence Vendor-03/31/2025 <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. Final Business Purpose Affidavit Disclosure document provided. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. business purpose affidavit - Buyer-03/28/2025 <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. Business Purpose & Occupancy Affidavit is required of final date (Signed by LLC) - Due Diligence Vendor-03/19/2025 |  | Resolved-Final Business Purpose Affidavit Disclosure document provided. - Due Diligence Vendor-03/31/2025 <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. Final Business Purpose Affidavit Disclosure document provided. - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3642833 | N/A | N/A |
| XXXX | 1115945 |  |  | Closed | 2025-03-19 06:50 | 2025-03-27 20:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-03/27/2025 <br> Unable to Resolve-Unable to Resolve-DH approves exception - Buyer-03/27/2025 <br> Open-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-03/19/2025 |  | Waived-Exception Approved - Due Diligence Vendor-03/27/2025<br>| XXXX |  | 780 FICO. 680 Min.<br> 70% LTV. Max LTV is 75%. | XXXX | Investment | Refinance | Cash Out - Other | 3643189 | Investor Post-Close | No |
| XXXX | 1115974 |  |  | Closed | 2025-03-20 07:13 | 2025-03-28 19:44 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved- - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Lender provided Post CD with fees moved from section B, moved the Fee (Closing Protection Letter, Document Preparation Fee, Lender's Title Policy) to section C. Condition resolved. - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. Amended CD uploaded for review. - Buyer-03/26/2025 <br>Open-Title fees (Closing Protection Letter, Document Preparation Fee, Lender's Title Policy) is paid to a provider that's not on providers list, but the fee is still in section B, moved the Fee (Closing Protection Letter, Document Preparation Fee, Lender's Title Policy) to section C - Due Diligence Vendor-03/20/2025 |  |  | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3654131 | N/A | N/A |
| XXXX | 1115974 |  |  | Closed | 2025-03-19 14:19 | 2025-03-27 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested Gap Credit Report Provided hence resolved. - Due Diligence Vendor-03/27/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/27/2025 <br>Ready for Review-Document Uploaded. Gap report uploaded for review. - Seller-03/26/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Report is Missing in file. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Gap report uploaded for review. - Seller-03/26/2025<br>| Resolved-Requested Gap Credit Report Provided hence resolved. - Due Diligence Vendor-03/27/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/27/2025<br>| XXXX |  | 713 FICO. 660 Min.<br> 80% LTV. Max LTV is 85%. | XXXX | Primary Residence | Purchase | NA | 3646011 | N/A | N/A |
| XXXX | 1115974 |  |  | Closed | 2025-03-25 19:13 | 2025-03-27 10:33 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Requested Supplemental Report Provided in place of VOR hence resolved. - Due Diligence Vendor-03/27/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/27/2025 <br>Ready for Review-?? There is another condition for a VOR/VOM. Is something more needed? - Seller-03/26/2025 <br>Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-03/25/2025 | Ready for Review-?? There is another condition for a VOR/VOM. Is something more needed? - Seller-03/26/2025<br>| Resolved-Requested Supplemental Report Provided in place of VOR hence resolved. - Due Diligence Vendor-03/27/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/27/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3692247 | N/A | N/A |
| XXXX | 1115974 |  |  | Closed | 2025-03-19 14:19 | 2025-03-27 10:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Requested Supplemental Report Provided in place of VOR hence resolved. - Due Diligence Vendor-03/27/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-03/27/2025 <br>Ready for Review-Document Uploaded. VOR uploaded for review - Buyer-03/26/2025 <br>Open-VOR/VOM Doc Status should not be 'Missing'. Provide VOR/VOM for payments in the most recent 12 months. - Due Diligence Vendor-03/19/2025 |  | Resolved-Requested Supplemental Report Provided in place of VOR hence resolved. - Due Diligence Vendor-03/27/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-03/27/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3646013 | N/A | N/A |
| XXXX | 1115992 |  |  | Closed | 2025-03-19 04:08 | 2025-03-28 20:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/28/2025 <br>Resolved-Final 1003 Provided, Resolved. - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. 1003 attached - Buyer-03/27/2025 <br>Open-The Final 1003 is Missing DSCR loan. The Final 1003 is not required. - Due Diligence Vendor-03/19/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/28/2025 <br>Resolved-Final 1003 Provided, Resolved. - Due Diligence Vendor-03/28/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3642705 | N/A | N/A |
| XXXX | 1115992 |  |  | Closed | 2025-03-19 04:10 | 2025-03-28 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business Purpose Affidavit provided. Resolved - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. business purpose aff - Buyer-03/27/2025 <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. Borrower signed Final Business Purpose Affidavit is Missing. - Due Diligence Vendor-03/19/2025 |  | Resolved-Business Purpose Affidavit provided. Resolved - Due Diligence Vendor-03/28/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3642712 | N/A | N/A |
| XXXX | 1115953 |  |  | Closed | 2025-03-20 07:07 | 2025-04-07 14:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. Final 1003 uploaded for review. - Buyer-04/03/2025 <br>Open-The Final 1003 is Missing Final 1003 missing in file for B1 & B2. - Due Diligence Vendor-03/20/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3654117 | N/A | N/A |
| XXXX | 1115953 |  |  | Closed | 2025-03-20 09:56 | 2025-03-27 09:36 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Requested Gift Proof Provided hence resolved. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. Letter mentions gift of up to $XXXX. Actual gift came out to $XXXX. Gift docs uploaded for review. - Buyer-03/26/2025 <br> Open-Gift amount of $XXXX in file & provided Gift letter on page#843 however, wire instruction is missing in file to verify. - Due Diligence Vendor-03/20/2025 |  | Resolved-Requested Gift Proof Provided hence resolved. - Due Diligence Vendor-03/27/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3654663 | N/A | N/A |
| XXXX | 1115986 |  |  | Closed | 2025-03-20 11:53 | 2025-03-31 20:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Approved - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. UW has made an exception, please rescind/resolve. <br>Thank you - Buyer-03/31/2025 <br>Open-Audited Reserves of 5.96 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/26/2025 <br>Open-Audited Reserves of 5.96 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/26/2025 <br>Open-Audited Reserves of 5.96 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/20/2025 <br>Open- - Due Diligence Vendor-03/20/2025 |  | Waived-Exception Approved - Due Diligence Vendor-03/31/2025<br>| XXXX |  | 757 FICO<br> >$8K Residual Income, min is $1,500 | XXXX | Primary Residence | Purchase | NA | 3655333 | Investor Post-Close | No |
| XXXX | 1115986 |  |  | Closed | 2025-03-20 11:48 | 2025-03-25 13:31 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.669%) APR equals or exceeds the Federal HPML threshold of (8.38%). 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 (6.88%).(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#754's IEAD and the Final Closing disclosure on Pg#'s 427, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 872, . An interior and exterior appraisal was completed for this property – see pg# 122, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 98, and confirmation the appraisal was delivered to the borrower – see Pg#'s 99. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/20/2025 |  | Resolved-The loan's (8.669%) APR equals or exceeds the Federal HPML threshold of (8.38%). 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 (6.88%).(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#754's IEAD and the Final Closing disclosure on Pg#'s 427, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 872, . An interior and exterior appraisal was completed for this property – see pg# 122, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 98, and confirmation the appraisal was delivered to the borrower – see Pg#'s 99. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/20/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3655309 | N/A | N/A |
| XXXX | 1116007 |  |  | Closed | 2025-03-21 08:12 | 2025-03-28 20:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/28/2025 <br>Resolved-Gap Credit Provided, Resolved. - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. see attached. - Buyer-03/28/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower Gap Credit Report is Missing in file - Due Diligence Vendor-03/21/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/28/2025 <br>Resolved-Gap Credit Provided, Resolved. - Due Diligence Vendor-03/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3665193 | N/A | N/A |
| XXXX | 1115899 |  |  | Closed | 2025-03-24 05:05 | 2025-04-01 17:01 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Lender provided PC CD showing correct max prepayment penalty. Finding resolved. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/31/2025 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Prepayment percentage is given as 0.764. (XXXX\*0.764% = $XXXX). Final CD reflects as $XXXX. - Due Diligence Vendor-03/24/2025 |  | Resolved-Lender provided PC CD showing correct max prepayment penalty. Finding resolved. - Due Diligence Vendor-04/01/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3676111 | N/A | N/A |
| XXXX | 1115899 |  |  | Closed | 2025-03-25 05:21 | 2025-03-31 06:51 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided with cleared alerts. Resolved - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. Please see attached "Cleared" Fraud guard. Highlighted in yellow as cleared for the two alerts that were identified. - Buyer-03/28/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report or LOX for the reason for uncleared alerts. - Due Diligence Vendor-03/25/2025 |  | Resolved-Updated fraud report provided with cleared alerts. Resolved - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3685661 | N/A | N/A |
| XXXX | 1115937 |  |  | Closed | 2025-03-24 11:25 | 2025-03-31 20:14 | Resolved | 1 - Information A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-VOR & LOX Provided, Resolved. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. We do not require a letter from the owner of the property where the borrower is staying; we only need a Letter of Explanation (LOX) from the borrower themselves. - Buyer-03/31/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Borrower is living rent free. Provide LOX from the owner of the property confirming borrower is living rent free. - Due Diligence Vendor-03/25/2025 |  | Resolved-VOR & LOX Provided, Resolved. - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3677207 | N/A | N/A |
| XXXX | 1115905 |  |  | Closed | 2025-03-25 05:01 | 2025-03-27 18:27 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Exception approved page 1403 for bwr not having primary ownership or rental pay history on DSCR. Bwr lives rent free with family at current primary.<br>- Due Diligence Vendor-03/25/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Exception approved page 1403 for bwr not having primary ownership or rental pay history on DSCR. Bwr lives rent free with family at current primary.<br>- Due Diligence Vendor-03/25/2025<br>|  |  | LTV is 43.48%. Maximum allowed per guidelines is 60%.<br> DSCR is 1.387. Minimum required per guidelines is 1.<br> .Investor experience- Borrower owns 3 investment properties. Investor Experience required per guidelines is None. <br>| XXXX | Investment | Refinance | Cash Out - Other | 3685606 | Originator Pre-Close | Yes |
| XXXX | 1115981 |  |  | Closed | 2025-03-26 09:40 | 2025-04-03 20:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. Both show leasehold - Buyer-04/03/2025 <br>Open-Title Document is Incomplete Appraisal & 1008 shows Property Rights as FEE Simple whereas Title document shows "Leasehold". - Due Diligence Vendor-03/26/2025 |  | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/03/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3695670 | N/A | N/A |
| XXXX | 1115981 |  |  | Closed | 2025-03-25 04:35 | 2025-04-01 16:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-BPA Provded, Resolved - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. Both copies were in the file at time of upload - Buyer-04/01/2025 <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. The Final Business Purpose Affidavit and occupancy affidavit missing. - Due Diligence Vendor-03/25/2025 |  | Resolved-BPA Provded, Resolved - Due Diligence Vendor-04/01/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3685558 | N/A | N/A |
| XXXX | 1115981 |  |  | Closed | 2025-03-26 05:59 | 2025-04-01 16:44 | Acknowledged | 2 - Non-Material C B | Compliance | Data | The Initial 1003 is Incomplete | Acknowledged-XXXX Acknowledges<br> - Due Diligence Vendor-04/01/2025 <br> Ready for Review-XXXX agrees to waive this as grade 2 - Buyer-04/01/2025 <br> Open-As per Guidelines Business Entity loans require additional LLC 1003 which is missing from file. Need 1003 for LLC.<br> - Due Diligence Vendor-03/26/2025 |  | Acknowledged-XXXX Acknowledges<br> - Due Diligence Vendor-04/01/2025 |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3695073 | Investor Post-Close | No |
| XXXX | 1115998 |  |  | Closed | 2025-03-26 13:49 | 2025-04-02 13:51 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided COC for fee increases. Finding resolved. - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/01/2025 <br>Open-A Lender Credit for Excess Charges of ($100.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($32.50) were applied to the total fee variance of ($2,001.25) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. At Final CD, Loan discount points and Appraisal fee increased, COC not present for increases. - Due Diligence Vendor-03/26/2025 |  | Resolved-Lender provided COC for fee increases. Finding resolved. - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | 3697545 | N/A | N/A |
| XXXX | 1115970 |  |  | Closed | 2025-03-28 20:39 | 2025-04-02 11:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/01/2025 <br>Open-TRID: Missing Closing Disclosure Provide missing initial CD. Missing from file. - Due Diligence Vendor-03/28/2025 |  |  | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3723913 | N/A | N/A |
| XXXX | 1115970 |  |  | Closed | 2025-03-26 13:53 | 2025-04-02 07:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/01/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE prior to close missing. Provide verification of business existence required with in 10 business days of closing. - Due Diligence Vendor-03/26/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3697590 | N/A | N/A |
| XXXX | 1115973 |  |  | Closed | 2025-03-27 07:08 | 2025-04-07 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Citizenship Documentation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/07/2025 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-04/05/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-04/05/2025<br>| Resolved-Citizenship Documentation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/07/2025 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3705721 | N/A | N/A |
| XXXX | 1115973 |  |  | Closed | 2025-03-27 06:15 | 2025-04-07 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Borrower 1 Photo Identification uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/07/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-04/05/2025 <br>Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower 1 Photo Identification Missing. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-04/05/2025<br>| Resolved-Borrower 1 Photo Identification uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/07/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3705542 | N/A | N/A |
| XXXX | 1115973 |  |  | Closed | 2025-03-27 05:51 | 2025-04-03 17:13 | 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-04/03/2025 <br>Resolved-GAP Credit Provided, Resolved - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-04/03/2025 <br>Open-Borrower 1 Gap Credit Report is Missing in file - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-04/03/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/03/2025 <br>Resolved-GAP Credit Provided, Resolved - Due Diligence Vendor-04/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3705462 | N/A | N/A |
| XXXX | 1115996 |  |  | Closed | 2025-03-27 04:46 | 2025-04-03 14:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Note and prepayment penalty addendum updated to Note page, resolved. - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. Note attached - Buyer-04/02/2025 <br>Open-The Note is Missing Missing Note and prepayment addendum. - Due Diligence Vendor-03/27/2025 |  | Resolved-The Note is Present - Note and prepayment penalty addendum updated to Note page, resolved. - Due Diligence Vendor-04/03/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3705305 | N/A | N/A |
| XXXX | 1115996 |  |  | Closed | 2025-03-27 11:33 | 2025-04-03 11:06 | Resolved | 1 - Information C A | Credit | Doc Issue | Prepayment Rider Missing | Resolved-Deed of Trust with Prepayment Rider provided. - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-04/02/2025 <br>Open-Provide pre payment rider - Due Diligence Vendor-03/27/2025 |  | Resolved-Deed of Trust with Prepayment Rider provided. - Due Diligence Vendor-04/03/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3706630 | N/A | N/A |
| XXXX | 1115964 |  |  | Closed | 2025-04-01 14:18 | 2025-04-08 20:04 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Missing | Waived-Exception Approved - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. Exception approved for this condition - Buyer-04/07/2025 <br>Open-Provide HOA/PUD Hazard insurance. - Due Diligence Vendor-04/01/2025 |  | Waived-Exception Approved - Due Diligence Vendor-04/08/2025<br>| XXXX |  | ~19% DTI, max is 50%<br> 17% LTV | XXXX | Primary Residence | Refinance | Cash Out - Other | 3740562 | Investor Post-Close | No |
| XXXX | 1115964 |  |  | Closed | 2025-04-03 16:20 | 2025-04-08 14:53 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided PCCD indicating disbursement date of XXXX. Condition resolved. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Lender provided PCCD indicating disbursement date of XXXX. Condition resolved. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. Please see PCCD with new funding date - Buyer-04/07/2025 <br> Open-ROR executed on XXXX Calculated last day to cancel is XXXX. The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) - Due Diligence Vendor-04/03/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) . - Due Diligence Vendor-04/03/2025 <br> Open-ROR executed on XXXX. Calculated last day to cancel is XXXX. The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) - Due Diligence Vendor-04/03/2025 |  | Resolved-Lender provided PCCD indicating disbursement date of 3/26/25. Condition resolved. - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3774451 | N/A | N/A |
| XXXX | 1115964 |  |  | Closed | 2025-03-27 11:51 | 2025-04-03 20:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided initial CD and COC. Condition resolved. - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. - Seller-04/02/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Resolved-Lender provided initial CD and COC. Condition resolved. - Due Diligence Vendor-04/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3706787 | N/A | N/A |
| XXXX | 1115964 |  |  | Closed | 2025-04-03 16:20 | 2025-04-03 17:06 | Resolved | 1 - Information C A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-ROR executed on XXXX. Calculated last day to cancel is XXXX. The disclosed "Right to Cancel Expire Date" (XXXX is earlier than the system calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary - Due Diligence Vendor-04/03/2025 <br> Resolved-. - Due Diligence Vendor-04/03/2025 <br> Open-ROR executed on XXXX. Calculated last day to cancel is XXXX. The disclosed "Right to Cancel Expire Date" (XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) - Due Diligence Vendor-04/03/2025 |  | Resolved-ROR executed on XXXX. Calculated last day to cancel is XXXX. The disclosed "Right to Cancel Expire Date" (XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary - Due Diligence Vendor-04/03/2025 <br> Resolved-. - Due Diligence Vendor-04/03/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3774452 | N/A | N/A |
| XXXX | 1115964 |  |  | Closed | 2025-04-03 16:20 | 2025-04-03 17:03 | Resolved | 1 - Information C A | Compliance | Mavent | License: Loan Originator | Resolved- - Due Diligence Vendor-04/03/2025 <br> Open-A relationship between XXXX (NMLS ID: XXXX) and the company (Company NMLS ID: XXXX) does not exist in the NMLS Consumer Access as of XXXX 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-04/03/2025 |  | Resolved- - Due Diligence Vendor-04/03/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3774453 | N/A | N/A |
| XXXX | 1115964 |  |  | Closed | 2025-04-03 16:20 | 2025-04-03 20:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __303__ and the Final Closing disclosure on Pg#'s _141___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _331____ An interior and exterior appraisal was completed for this property – see pg _20___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_19__ , and copy of the appraisal was given to the borrower – see Pg#'s __129___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/03/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __303__ and the Final Closing disclosure on Pg#'s _141___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _331____ An interior and exterior appraisal was completed for this property – see pg _20___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_19__ , and copy of the appraisal was given to the borrower – see Pg#'s __129___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/03/2025 <br>Resolved-The loan meets HPML guidelines - Due Diligence Vendor-04/03/2025 <br>Resolved-. - Due Diligence Vendor-04/03/2025 <br>Resolved-The loan's (9.513%) APR equals or exceeds the Federal HPML threshold of (8.38%). 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 (6.88%).(12 CFR 1026.35(a)(1)(i)) The loan meets HPML guidelines - Due Diligence Vendor-04/03/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __303__ and the Final Closing disclosure on Pg#'s _141___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _331____ An interior and exterior appraisal was completed for this property – see pg _20___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_19__ , and copy of the appraisal was given to the borrower – see Pg#'s __129___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/03/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __303__ and the Final Closing disclosure on Pg#'s _141___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _331____ An interior and exterior appraisal was completed for this property – see pg _20___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_19__ , and copy of the appraisal was given to the borrower – see Pg#'s __129___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/03/2025 <br>Resolved-The loan meets HPML guidelines - Due Diligence Vendor-04/03/2025 <br>Resolved-. - Due Diligence Vendor-04/03/2025 <br>Resolved-The loan's (9.513%) APR equals or exceeds the Federal HPML threshold of (8.38%). 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 (6.88%).(12 CFR 1026.35(a)(1)(i)) The loan meets HPML guidelines - Due Diligence Vendor-04/03/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3774450 | N/A | N/A |
| XXXX | 1116003 |  |  | Closed | 2025-03-27 04:34 | 2025-04-03 17:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | 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-04/03/2025 <br>Resolved-BPA's Provided, Resolved - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. attached. - Buyer-04/03/2025 <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. Final & Initial Business purpose affidavit missing from file. - Due Diligence Vendor-03/27/2025 |  | 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-04/03/2025 <br>Resolved-BPA's Provided, Resolved - Due Diligence Vendor-04/03/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3705280 | N/A | N/A |
| XXXX | 1116003 |  |  | Closed | 2025-03-27 06:32 | 2025-04-01 20:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception Approved - Due Diligence Vendor-04/01/2025 <br> Unable to Resolve-Unable to Resolve-DH approves exception - Buyer-04/01/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Exception provided for housing history page #539.<br> Borrower does own a current primary of greater value as documented per title ownership of XXXX Borrower is not obligated on the mortgage so there is no payment history to verify, but requirement to own a primary is met. Need copy of note, not just statement, to verify Borrower is not obligated to omit payment history requirement. - Due Diligence Vendor-03/27/2025 |  | Waived-Exception Approved - Due Diligence Vendor-04/01/2025<br>|  |  | Compensating Factors:<br> 1.Borrower(s) have 36.52 months Reserves. Minimum required per guidelines is 3 months.<br> 2.Credit Score is 748. Minimum required per guidelines is 740.<br> 3.LTV is 70%. Maximum allowed per guidelines is 80%. | XXXX | Investment | Purchase | NA | 3705598 | Investor Post-Close | No |
| XXXX | 1116001 |  |  | Closed | 2025-03-27 12:33 | 2025-04-07 13:58 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Proof of EMD provided. - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/04/2025 <br>Open-Proof of EMD is missing in file. Need Wire/Check of EMD. - Due Diligence Vendor-03/27/2025 |  | Resolved-Proof of EMD provided. - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3707125 | N/A | N/A |
| XXXX | 1116001 |  |  | Closed | 2025-03-27 07:19 | 2025-04-07 13:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/07/2025 <br> Resolved-Legible Title report provided. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. Every single word on this commitment provided is legible - Buyer-04/04/2025 <br> Counter-The copy of the Title provided is illegible. Cannot read the document. Provide clear and legible copy of Title. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Everything on this title policy is accurate. I am not able to make sense of this condition. - Buyer-04/02/2025 <br> Open-Title Document is Incomplete Title document is in accurate, need XXXX document. - Due Diligence Vendor-03/27/2025 |  | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/07/2025 <br>Resolved-Legible Title report provided. - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3705743 | N/A | N/A |
| XXXX | 1116008 |  |  | Closed | 2025-03-28 07:42 | 2025-04-08 23:09 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-PCCD with corrected prepayment penalty amount provided. Resolved. - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. PCCD uploaded for review. - Buyer-04/08/2025 <br>Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Prepayment Penalty on Closing Disclosure as $1,458 does not match the prepayment penalty calculation on the Note $4,374 - Due Diligence Vendor-03/28/2025 |  | Resolved-PCCD with corrected prepayment penalty amount provided. Resolved. - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3716147 | N/A | N/A |
| XXXX | 1115994 |  |  | Closed | 2025-03-31 11:28 | 2025-04-09 10:24 | Resolved | 1 - Information C A | Credit | Credit | Borrower 1 spouse has not approved transaction | Resolved-Updated 1003 provided showing borrower as Unmarried. Spousal Consent not required. - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. Borrower is actually unmarried-updated 1003 attached - Buyer-04/08/2025 <br>Open-Provide approved consent from Spouse as loan signed as personal Guaranty. - Due Diligence Vendor-04/03/2025 |  | Resolved-Updated 1003 provided showing borrower as Unmarried. Spousal Consent not required. - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3728240 | N/A | N/A |
| XXXX | 1115894 |  |  | Closed | 2025-04-03 08:57 | 2025-07-16 20:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd party VOE for B2 Provided hence resolved. - Due Diligence Vendor-04/14/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-04/12/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE is missing in the file Provide VOE with in 10days of closing date - Due Diligence Vendor-04/03/2025 |  | Resolved-Requested 3rd party VOE for B2 Provided hence resolved. - Due Diligence Vendor-04/14/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3760298 | N/A | N/A |
| XXXX | 1115898 |  |  | Closed | 2025-04-10 13:15 | 2025-04-16 12:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-04/16/2025 <br> Resolved- - Due Diligence Vendor-04/16/2025 <br> Ready for Review-The note is dated XXXX, the payment due date on the note reflects XXXX. this is accurate. It will always be due the first day of the second month in which the loan was closed (unless this was an interest credit, and it was not in this case). Please clear this finding. Closed in XXXX, no payment in XXXX, will be due the XXXX. - Buyer-04/15/2025 <br> Open-The Note is Incomplete First Payment Date is more than 60 days after the Note Date, or less than 25 days after the note. - Due Diligence Vendor-04/10/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-04/16/2025<br>|  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3826395 | N/A | N/A |
| XXXX | 1115900 |  |  | Closed | 2025-04-10 12:10 | 2025-04-16 20:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | 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-04/16/2025 <br>Resolved-Final BPA Provided, Resolved. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Please see the attached document - Buyer-04/16/2025 <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. Final Business Purpose document missing in the file. - Due Diligence Vendor-04/10/2025 |  | 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-04/16/2025 <br>Resolved-Final BPA Provided, Resolved. - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3825851 | N/A | N/A |

---

## Exhibit 99.5

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.5 - Schedule 3**

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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** |
| 1116011 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 46.98 | 46.98 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 1116010 |  | 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 |  | 1.2 | XXXX |
| 1115942 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.45 | 63.45 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| 1115941 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1115943 |  | 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 | Eligible | 1 | XXXX |
| 1115944 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| 1116012 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1115908 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1115904 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.3 | 63.3 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| 1115960 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 74.93 | 74.93 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1115956 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1115972 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | 27243 | XXXX | AVM |  |  |  |  |  |  |  |  |  | XXXX | 27243 | XXXX | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.1 | XXXX |
| 1115984 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55.0 | 55.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1115923 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | LowRisk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| 1115902 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1115916 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 43.75 | 43.75 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| 1115919 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| 1115917 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| 1115918 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 65.0 | 65.0 | XXXX | 8000 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 8000 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| 1115955 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.29 | 74.29 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| 1115901 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1116000 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1.4 | XXXX |
| 1115930 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 52.27 | 52.27 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| 1115920 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 49.15 | 49.15 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 1115929 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 1115980 |  | 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 |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.3 | XXXX |
| 1115989 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.6 | XXXX |
| 1115952 |  | 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 | Not Eligible | 1.9 | XXXX |
| 1115999 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 60.29 | 60.29 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1115982 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1115966 |  | 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 | Not Eligible | 1.8 | XXXX |
| 1115963 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 32.67 | 32.67 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1115957 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 89.9 | 89.9 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| 1115983 |  | 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 | Not Eligible | 1 | XXXX |
| 1116006 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 3000 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | 3000 | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 1115927 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.04 | 63.04 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| 1115931 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| 1116009 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 32.73 | 32.73 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1115959 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3 | XXXX |
| 1116005 |  | 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 | 0 | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.3 | XXXX |
| 1115997 |  | 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 | Not Eligible | 1 | XXXX |
| 1116004 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 33.23 | 33.23 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1115940 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| 1115995 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.88 | 67.88 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| 1115985 |  | 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 |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| 1115968 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| 1115961 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 48.79 | 48.79 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 1115936 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 46.11 | 46.11 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 1115979 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.97 | 68.97 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1.3 | XXXX |
| 1115976 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 2.8 | XXXX |
| 1115991 |  | 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 |  | 1.3 | XXXX |
| 1115962 |  | 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 |  | 1.8 | XXXX |
| 1115925 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.93 | 58.93 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1115932 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1115906 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.89 | 67.89 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1115939 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| 1115935 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| 1115965 |  | 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 |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1.6 | XXXX |
| 1115945 |  | 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 |  | 1.5 | XXXX |
| 1115993 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 56.73 | 56.73 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| 1115974 |  | 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 | Eligible | 2.5 | XXXX |
| 1115992 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55.06 | 55.06 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.3 | XXXX |
| 1115953 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.7 | 68.7 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.5 | XXXX |
| 1115986 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| 1115928 |  | 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 |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 1116007 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 61.24 | 61.24 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 2.7 | XXXX |
| 1115899 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55.48 | 55.48 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 1115937 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 43.1 | 43.1 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 1115905 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 43.48 | 43.48 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1115907 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1115981 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.65 | 67.65 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 2.5 | XXXX |
| 1115998 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 69.23 | 69.23 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.2 | XXXX |
| 1115970 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 35.47 | 35.47 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 1115973 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 77.68 | 77.68 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 5 | XXXX |
| 1115996 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 37.5 | 37.5 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 1 | XXXX |
| 1115964 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 17.28 | 17.28 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 4 | XXXX |
| 1116003 |  | 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 |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.5 | XXXX |
| 1116001 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 2 | XXXX |
| 1116008 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| 1115994 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 49.56 | 49.56 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| 1115990 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1115947 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1115894 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.0 | 50.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.8 | XXXX |
| 1115895 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 42.73 | 42.73 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.7 | XXXX |
| 1115898 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 74.64 | 74.64 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| 1115988 |  | 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 | Not Eligible | 1 | XXXX |
| 1115933 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| 1115900 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.57 | 69.57 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible |  | XXXX |

---

## Exhibit 99.5

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.5 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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** | **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** | **# 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 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** |
| 1116011 |  | 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 |  |  | 7.000% | 7.000% | XXXX | No |  | XXXX | XXXX | $1917.00 | $159.75 | $0.00 | $0.00 | $0.00 | $1968.09 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | 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% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.27 | 1.27 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 5.1 | XXXX | 5.1 | No | 46.98 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1116010 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | 09/27/2024 | 6.040% | Manual Underwriting | Manual Underwriting | No | 8.221% |  | 7.750% | 7.750% | XXXX | No |  | XXXX | XXXX | $3990.72 | $332.56 | $2160.00 | $180.00 | $0.00 | $4126.82 | $11557.99 | N/A | XXXX | XXXX | $180.00 | XXXX | Monthly | 36.50% | 38.36% | 38.36% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 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 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 629 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 8 | 7 | 2 | 0 | 4 | 0 | 0 | 0 | 12 | 7 | 2 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 16.8 | XXXX | 16.8 | No | 70 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 1115942 |  | 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 |  |  | 6.990% | 6.990% | XXXX | No |  | XXXX | XXXX | $2370.96 | $197.58 | $0.00 | $0.00 | $0.00 | $3467.15 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | 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% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.009 | 1.009 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 125.6 | No | 63.45 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115941 |  | 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 |  |  | 8.375% | 8.375% | XXXX | No |  | XXXX | XXXX | $1431.00 | $119.25 | $2496.00 | $208.00 | $0.00 | $1474.63 |  | Yes | XXXX | XXXX | $208.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | 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% |  |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.573 | 1.573 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 334.6 | XXXX | 334.6 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115943 |  | 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 |  | 12/17/2024 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.013% |  | 7.500% | 7.500% | XXXX | No |  | XXXX | XXXX | $678.96 | $56.58 | $0.00 | $0.00 | $0.00 | $3130.33 | $3217.98 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 49.53% | 49.53% | 49.53% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 12 | 12 | Other NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 1 YR Personal Tax Returns Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Consular Card |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 8.4 | XXXX | 8.4 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115944 |  | 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% | XXXX | Yes | 18.000% | XXXX | XXXX | $1934.76 | $161.23 | $0.00 | $0.00 | $0.00 | $1619.77 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | 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% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.235 | 1.235 | N/A | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 807 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-151 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 98.2 | XXXX | 98.2 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 1116012 |  | 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 |  | 12/23/2024 | 6.770% | Manual Underwriting | Manual Underwriting | No | 10.009% |  | 9.625% | 9.625% | XXXX | No |  | XXXX | XXXX | $1689.00 | $140.75 | $0.00 | $0.00 | $0.00 | $3255.72 | $61949.87 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 6.28% | 5.87% | 5.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 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 - SESCorp - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 151 | XXXX | 151 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115908 |  | 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 |  |  | 7.750% | 7.750% | XXXX | Yes | 7.750% | XXXX | XXXX | $1565.64 | $130.47 | $0.00 | $0.00 | $0.00 | $1258.07 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | 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% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.351 | 1.34 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Lease Hold | XXXX | No | No | N/A | XXXX | 3218.5 | XXXX | 3218.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115904 |  | 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 |  |  | 6.875% | 6.875% | XXXX | Yes | 6.875% | XXXX | XXXX | $896.40 | $74.70 | $0.00 | $0.00 | $0.00 | $1378.79 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | 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% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.396 | 1.396 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 8.6 | XXXX | 8.6 | No | 63.3 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115960 |  | 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% | XXXX | No |  | XXXX | XXXX | $795.00 | $66.25 | $0.00 | $0.00 | $0.00 | $2075.77 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | 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% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.192 | 1.192 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 100.6 | No | 74.93 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115956 |  | 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 | 7.750% | 7.750% | XXXX | No |  | XXXX | XXXX | $798.96 | $66.58 | $0.00 | $0.00 | $0.00 | $2256.98 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | 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% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.152 | 1.152 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 43.8 | XXXX | 43.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115972 |  | 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 |  | 02/18/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.691% |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | $1089.00 | $90.75 | $0.00 | $0.00 | $0.00 | $2071.81 | $3093.19 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 48.20% | 48.20% | 48.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | 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% |  |  | Audited | 12 | Tax Preparer | 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 - YTD Profit And Loss Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 37.3 | No | 60 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115984 |  | 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% | XXXX | No |  | XXXX | XXXX | $2400.00 | $200.00 | $0.00 | $0.00 | $0.00 | $1893.27 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | 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% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.162 | 1.162 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 33.6 | No | 55 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115923 |  | 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 |  |  | 7.875% | 7.875% | XXXX | No |  | XXXX | XXXX | $1068.96 | $89.08 | $0.00 | $0.00 | $0.00 | $1030.59 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | 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% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.844 | 1.844 | N/A | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 50.4 | XXXX | 50.4 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 1115902 |  | 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% | XXXX | Yes | 7.625% | XXXX | XXXX | $642.96 | $53.58 | $0.00 | $0.00 | $0.00 | $1023.04 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | 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% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.564 | 1.564 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 67.5 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115916 |  | 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 |  |  | 6.990% | 6.990% | XXXX | No |  | XXXX | XXXX | $722.04 | $60.17 | $0.00 | $0.00 | $0.00 | $1519.44 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | 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% |  |  | 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 | Yes | 2.106 | 2.106 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 6.6 | XXXX | 7.1 | No | 43.75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115919 |  | 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 |  |  | 7.375% | 7.375% | XXXX | Yes | 5.000% | XXXX | XXXX | $693.96 | $57.83 | $0.00 | $0.00 | $0.00 | $2454.01 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | 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% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.304 | 1.304 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 26.7 | XXXX | 32.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115917 |  | 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 |  |  | 7.375% | 7.375% | XXXX | Yes | 7.375% | XXXX | XXXX | $711.00 | $59.25 | $0.00 | $0.00 | $0.00 | $2455.44 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | 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% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.303 | 1.303 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 6.9 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115918 |  | 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% | XXXX | No |  | XXXX | XXXX | $612.96 | $51.08 | $0.00 | $0.00 | $0.00 | $2339.91 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | 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% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.261 | 1.261 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 40.1 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115955 |  | 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 |  |  | 7.875% | 7.875% | XXXX | No |  | XXXX | XXXX | $1584.96 | $132.08 | $0.00 | $0.00 | $0.00 | $3164.59 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | 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% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.011 | 1.011 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 19.9 | No | 74.29 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115901 |  | 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 |  |  | 6.990% | 6.990% | XXXX | No |  | XXXX | XXXX | $1089.72 | $90.81 | $0.00 | $0.00 | $0.00 | $2046.47 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | 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% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.002 | 1.002 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 47.2 | XXXX | 47.2 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1116000 |  | 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 |  | 02/21/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.567% |  | 8.250% | 8.250% | XXXX | No |  | XXXX | XXXX | $837.00 | $69.75 | $9984.00 | $832.00 | $0.00 | $3569.44 | $5157.56 | Yes | XXXX | XXXX | $832.00 | XXXX | Monthly | 42.06% | 41.66% | 41.66% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 24 | 24 | Work Number |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 21.2 | XXXX | 21.2 | No | 80 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115930 |  | 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 |  |  | 7.250% | 7.250% | XXXX | Yes | 7.250% | XXXX | XXXX | $1582.80 | $131.90 | $2400.00 | $200.00 | $0.00 | $2364.97 |  | N/A | XXXX | XXXX | $200.00 | 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 | 1.254 | 1.254 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 51.5 | No | 52.27 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115920 |  | 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 |  |  | 7.875% | 7.875% | XXXX | No |  | XXXX | XXXX | $2436.24 | $203.02 | $516.00 | $43.00 | $0.00 | $1630.95 |  | Yes | XXXX | XXXX | $43.00 | 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 | 1.104 | 1.104 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 167.5 | XXXX | 167.5 | No | 49.15 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115929 |  | 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% | XXXX | No |  | XXXX | XXXX | $2171.28 | $180.94 | $0.00 | $0.00 | $0.00 | $1123.98 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | 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% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.259 | 1.259 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 28.5 | XXXX | 28.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115980 |  | 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 |  |  | 7.875% | 7.875% | XXXX | No |  | XXXX | XXXX | $1382.04 | $115.17 | $0.00 | $0.00 | $0.00 | $1744.99 |  | N/A | XXXX | 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 | 1.06 | 1.06 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 95.4 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115989 |  | 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% | XXXX | No |  | XXXX | XXXX | $1392.96 | $116.08 | $0.00 | $0.00 | $0.00 | $1361.17 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | 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% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.469 | 1.469 |  | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 94.9 | XXXX | 94.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115952 |  | 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 |  |  | 8.990% | 8.990% | XXXX | No |  | XXXX | XXXX | $1137.00 | $94.75 | $0.00 | $0.00 | $0.00 | $1277.43 |  | N/A | XXXX | 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 | 1.057 | 1.057 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 30.1 | XXXX | 123.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115999 |  | 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 | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | $2592.00 | $216.00 | $0.00 | $0.00 | $0.00 | $2249.97 |  | N/A | XXXX | 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 | 1.067 | 1.222 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 12.9 | No | 60.29 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115982 |  | 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% | XXXX | Yes | 23.000% | XXXX | XXXX | $792.00 | $66.00 | $0.00 | $0.00 | $0.00 | $1621.49 |  | N/A | XXXX | 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 | 1.169 | 1.169 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 74.7 | XXXX | 74.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115966 |  | 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 |  |  | 7.250% | 7.250% | XXXX | No |  | XXXX | XXXX | $1971.00 | $164.25 | $2496.96 | $208.08 | $0.00 | $3455.94 |  | N/A | XXXX | XXXX | $208.08 | 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 | 1.013 | 1.013 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 13.9 | XXXX | 13.9 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115963 |  | 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% | XXXX | No |  | XXXX | XXXX | $946.92 | $78.91 | $7140.00 | $595.00 | $0.00 | $1963.85 |  | No | XXXX | XXXX | $595.00 | 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 | 1.273 | 1.273 |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 55.8 | No | 32.67 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115957 |  | 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 |  | 02/20/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 10.193% |  | 9.990% | 9.990% | XXXX | No |  | XXXX | XXXX | $3447.36 | $287.28 | $0.00 | $0.00 | $0.00 | $2879.76 | $31991.39 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 10.02% | 10.02% | 10.02% | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 7.1 | XXXX | 7.1 | No | 89.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115983 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | Yes | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | XXXX | No |  | XXXX | XXXX | $579.00 | $48.25 | $2250.00 | $187.50 | $0.00 | $3057.64 |  | N/A | XXXX | XXXX | $187.50 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.047 | 1.047 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 812 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-151 Permanent Resident Card | XXXX | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-151 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 10.8 | XXXX | 10.8 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 1116006 |  | 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 |  | 02/21/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.648% |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | $1512.00 | $126.00 | $0.00 | $0.00 | $0.00 | $2583.59 | $6170.41 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 30.04% | 29.71% | 29.71% | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 17.3 | XXXX | 17.3 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115927 |  | 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 |  |  | 7.250% | 7.250% | XXXX | Yes | 7.250% | XXXX | XXXX | $797.04 | $66.42 | $0.00 | $0.00 | $0.00 | $1149.86 |  | N/A | XXXX | 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 | 1.139 | 1.139 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 58.8 | No | 63.04 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115931 |  | 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 |  |  | 7.125% | 7.125% | XXXX | No |  | XXXX | XXXX | $1857.96 | $154.83 | $800.04 | $66.67 | $0.00 | $2269.88 |  | N/A | XXXX | XXXX | $66.67 | 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 | 1.101 | 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 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 11.6 | XXXX | 11.6 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1116009 |  | 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 |  | 02/21/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.558% |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | $4586.04 | $382.17 | $4392.00 | $366.00 | $0.00 | $14635.32 | $14978.27 | Yes | XXXX | XXXX | $366.00 | XXXX | Monthly | 49.47% | 49.47% | 49.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Asset Utilization (DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | Yes | No | Yes | 36 | No | Yes | Yes | 12 | 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 - SSI and Disability, Asset Depletion, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified, Lease Agreements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 822 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 28.5 | XXXX | 161.5 | No | 32.73 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115959 |  | 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 |  |  | 7.990% | 7.990% | XXXX | No |  | XXXX | XXXX | $1360.56 | $113.38 | $0.00 | $0.00 | $0.00 | $912.93 |  | N/A | XXXX | 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 | 1.095 | 1.095 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 172.2 | XXXX | 172.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1116005 |  | 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 |  | 02/21/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.639% |  | 8.250% | 8.250% | XXXX | No |  | XXXX | XXXX | $2201.04 | $183.42 | $600.00 | $50.00 | $0.00 | $9429.73 | $12064.34 | N/A | XXXX | XXXX | $50.00 | XXXX | Annually | 48.98% | 48.98% | 48.98% | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 16.5 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115997 |  | 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 |  | 02/20/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.764% |  | 7.500% | 7.500% | XXXX | No |  | XXXX | XXXX | $1223.28 | $101.94 | $0.00 | $0.00 | $0.00 | $1777.29 | $9858.20 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 16.45% | 15.57% | 15.57% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 2 | 12 | No | N/A | 0 | 0 | 100.00% | 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 - Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2022, 2023, 2024 \|\| Co Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified - 2022, 2023, 2024 \|\| Co Borrower - Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 23.2 | XXXX | 23.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 1116004 |  | 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 | 7.500% | 7.500% | XXXX | No |  | XXXX | XXXX | $1527.00 | $127.25 | $0.00 | $0.00 | $0.00 | $1123.94 |  | N/A | XXXX | 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 | 1.735 | 1.735 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 86.2 | No | 33.23 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115940 |  | 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 |  |  | 8.375% | 8.375% | XXXX | Yes | 8.375% | XXXX | XXXX | $2292.96 | $191.08 | $0.00 | $0.00 | $0.00 | $2076.74 |  | N/A | XXXX | 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 | 1.035 | 1.035 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 30.3 | XXXX | 30.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115995 |  | 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 |  | 02/19/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.955% |  | 7.625% | 7.625% | XXXX | No |  | XXXX | XXXX | $1458.00 | $121.50 | $0.00 | $0.00 | $0.00 | $2959.76 | $9177.03 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 60.92% | 46.28% | 46.28% | 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% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 43.2 | XXXX | 43.2 | No | 67.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115985 |  | 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 |  | 02/19/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.679% |  | 7.500% | 7.500% | XXXX | No |  | XXXX | XXXX | $1829.64 | $152.47 | $0.00 | $0.00 | $0.00 | $3637.09 | $4628.91 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 44.94% | 44.93% | 44.93% | 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 |  |  | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 19.5 | XXXX | 19.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115968 |  | 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 |  |  | 7.250% | 7.250% | XXXX | No |  | XXXX | XXXX | $2220.96 | $185.08 | $0.00 | $0.00 | $0.00 | $2423.41 |  | N/A | XXXX | 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 | 1.3 | 1.3 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Certificate of Naturalization |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 10.5 | XXXX | 10.5 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115961 |  | 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 |  |  | 7.250% | 7.250% | XXXX | No |  | XXXX | XXXX | $561.96 | $46.83 | $2700.00 | $225.00 | $0.00 | $2570.45 |  | Yes | XXXX | XXXX | $225.00 | 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 | 1.362 | 1.382 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 217.1 | XXXX | 217.1 | No | 48.79 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115936 |  | 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% | XXXX | No |  | XXXX | XXXX | $2891.04 | $240.92 | $0.00 | $0.00 | $0.00 | $7919.40 |  | N/A | XXXX | 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 | 1.048 | 1.048 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 93 | XXXX | 93 | No | 46.11 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115979 |  | 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 |  | 02/20/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.195% |  | 7.125% | 7.125% | XXXX | No |  | XXXX | XXXX | $3240.96 | $270.08 | $2300.04 | $191.67 | $0.00 | $7407.39 | $23374.61 | N/A | XXXX | XXXX | $191.67 | XXXX | Monthly | 37.49% | 37.49% | 37.49% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc |  |  | 2+ Months |  | N/A | 0 |  |  | 2 | 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 |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, null Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 62.8 | XXXX | 62.8 | No | 68.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115976 |  | 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 |  | 02/20/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.549% |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | $5223.84 | $435.32 | $21600.00 | $1800.00 | $0.00 | $13150.95 | $18759.05 | N/A | XXXX | XXXX | $1800.00 | XXXX | Monthly | 44.31% | 43.24% | 47.17% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | 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% | 0.00% | 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 - Other, Other - 2024 - 2024 \|\| Co Borrower - Other - 2024 - 2024 | Borrower - 2024 - 2024 \|\| Co Borrower - 2024 - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 210.2 | XXXX | 210.2 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 1115991 |  | 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 |  | 02/20/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.592% |  | 7.500% | 7.500% | XXXX | No |  | XXXX | XXXX | $5904.00 | $492.00 | $0.00 | $0.00 | $0.00 | $12276.44 | $94475.43 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 18.15% | 18.15% | 18.15% | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 30.3 | XXXX | 30.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115962 |  | 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 |  | 02/18/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.628% |  | 7.125% | 7.125% | XXXX | No |  | XXXX | XXXX | $2835.96 | $236.33 | $576.00 | $48.00 | $0.00 | $2858.53 | $8676.87 | N/A | XXXX | XXXX | $48.00 | XXXX | Monthly | 45.44% | 45.44% | 45.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 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) - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 51.9 | XXXX | 51.9 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115925 |  | 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% | XXXX | No |  | XXXX | XXXX | $1839.96 | $153.33 | $0.00 | $0.00 | $0.00 | $2225.35 |  | N/A | XXXX | 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 | 1.573 | 1.573 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 144.6 | XXXX | 144.6 | No | 58.93 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115932 |  | 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% | XXXX | Yes | 7.625% | XXXX | XXXX | $2504.04 | $208.67 | $0.00 | $0.00 | $0.00 | $2839.83 |  | N/A | XXXX | 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 | 1.092 | 1.092 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 294.1 | XXXX | 294.1 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115906 |  | 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 |  |  | 7.250% | 7.250% | XXXX | No |  | XXXX | XXXX | $2403.48 | $200.29 | $0.00 | $0.00 | $0.00 | $2796.62 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 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 | 1.001 | 1.001 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 44.9 | No | 67.89 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 1115939 |  | 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 |  |  | 8.500% | 8.500% | XXXX | Yes | 8.500% | XXXX | XXXX | $2238.36 | $186.53 | $0.00 | $0.00 | $0.00 | $1152.63 |  | N/A | XXXX | 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 | 1.128 | 1.128 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 74.6 | XXXX | 128.6 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115935 |  | 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 |  |  | 7.750% | 7.750% | XXXX | Yes | 7.750% | XXXX | XXXX | $1524.96 | $127.08 | $0.00 | $0.00 | $0.00 | $1434.33 |  | N/A | XXXX | 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 | 1.882 | 1.882 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 44.2 | XXXX | 44.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115965 |  | 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 |  |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | $2570.64 | $214.22 | $0.00 | $0.00 | $0.00 | $2936.08 |  | N/A | XXXX | 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 | 1.124 | 1.124 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 47.5 | XXXX | 47.5 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115945 |  | 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 |  |  | 7.750% | 7.750% | XXXX | No |  | XXXX | XXXX | $716.04 | $59.67 | $0.00 | $0.00 | $0.00 | $754.03 |  | N/A | XXXX | 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 | 1.591 | 1.591 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 100 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115993 |  | 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 |  | 02/20/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.752% |  | 7.500% | 7.500% | XXXX | No |  | XXXX | XXXX | $2445.36 | $203.78 | $0.00 | $0.00 | $0.00 | $2534.86 | $5168.88 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 33.29% | 33.29% | 33.29% | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 10.8 | XXXX | 10.8 | No | 56.73 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115974 |  | 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 |  | 02/18/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.011% |  | 7.750% | 7.750% | XXXX | No |  | XXXX | XXXX | $2061.60 | $171.80 | $0.00 | $0.00 | $0.00 | $2458.44 | $8289.89 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 31.97% | 31.97% | 31.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 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, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 251.8 | XXXX | 251.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115992 |  | 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% | XXXX | No |  | XXXX | XXXX | $1287.96 | $107.33 | $2820.00 | $235.00 | $0.00 | $1475.89 |  | N/A | XXXX | XXXX | $235.00 | XXXX | Monthly | 42.37% | 0.00% | 0.00% | Yes | Yes |  |  | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 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 | 1.457 | 1.457 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 812 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 490.3 | XXXX | 490.3 | No | 55.06 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 1115953 |  | 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 |  | 02/20/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.592% |  | 7.500% | 7.500% | XXXX | No |  | XXXX | XXXX | $1631.16 | $135.93 | $1548.00 | $129.00 | $0.00 | $3206.54 | $40422.55 | N/A | XXXX | XXXX | $129.00 | XXXX | Annually | 16.19% | 16.20% | 16.20% | 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 | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 33.33% | 0.00% | Stocks/Bonds | 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 - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 \|\| Co Borrower - Other REO Net Rental Income(Loss) | Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 9.1 | XXXX | 9.1 | No | 68.7 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 1115986 |  | 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 |  | 02/19/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.618% |  | 8.375% | 8.375% | XXXX | No |  | XXXX | XXXX | $3345.96 | $278.83 | $0.00 | $0.00 | $0.00 | $3264.13 | $8280.30 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 40.28% | 40.28% | 40.28% | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 6 | XXXX | 6 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115928 |  | 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 |  |  | 8.375% | 8.125% | XXXX | Yes | 8.375% | XXXX | XXXX | $1197.00 | $99.75 | $0.00 | $0.00 | $0.00 | $2882.65 |  | N/A | XXXX | 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 | 1.006 | 1.006 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 38.1 | XXXX | 38.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1116007 |  | 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 |  | 02/21/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.400% |  | 7.250% | 7.250% | XXXX | No |  | XXXX | XXXX | $1558.80 | $129.90 | $0.00 | $0.00 | $0.00 | $2850.99 | $5567.17 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 45.99% | 45.99% | 45.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 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, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 10.2 | XXXX | 10.2 | No | 61.24 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115899 |  | 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 |  |  | 7.250% | 7.250% | XXXX | No |  | XXXX | XXXX | $1010.04 | $84.17 | $756.00 | $63.00 | $0.00 | $1653.60 |  | N/A | XXXX | XXXX | $63.00 | 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 | 1.089 | 1.089 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 676 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 54.7 | XXXX | 54.7 | No | 55.48 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115937 |  | 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 |  |  | 8.375% | 8.375% | XXXX | Yes | 8.375% | XXXX | XXXX | $753.00 | $62.75 | $0.00 | $0.00 | $0.00 | $1088.70 |  | N/A | XXXX | 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 | 2.021 | 2.021 | Yes | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 5 | XXXX | 5 | No | 43.1 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115905 |  | 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 |  |  | 7.125% | 7.125% | XXXX | Yes | 7.125% | XXXX | XXXX | $1545.96 | $128.83 | $540.00 | $45.00 | $0.00 | $2307.39 |  | N/A | XXXX | XXXX | $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 | 1.387 | 1.387 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 676 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 32 | No | 43.48 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115907 |  | 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 |  |  | 6.990% | 7.250% | XXXX | Yes | 6.990% | XXXX | XXXX | $2331.96 | $194.33 | $0.00 | $0.00 | $0.00 | $2043.62 |  | N/A | XXXX | 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 | 1.155 | 1.167 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 17.4 | XXXX | 17.4 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115981 |  | 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% | XXXX | No |  | XXXX | XXXX | $981.96 | $81.83 | $0.00 | $0.00 | $0.00 | $1743.12 |  | N/A | XXXX | 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 | 1.348 | 1.342 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Lease Hold | XXXX | No | No | N/A | XXXX | 0 | XXXX | 22.2 | No | 67.65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115998 |  | 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 |  | 02/20/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.752% |  | 7.500% | 7.500% | XXXX | No |  | XXXX | XXXX | $1443.00 | $120.25 | $2064.00 | $172.00 | $0.00 | $2373.84 | $4950.16 | Yes | XXXX | XXXX | $172.00 | XXXX | Monthly | 35.17% | 35.17% | 35.17% | 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 - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 26.3 | XXXX | 26.3 | No | 69.23 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115970 |  | 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 |  | 02/18/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.867% |  | 8.375% | 8.375% | XXXX | No |  | XXXX | XXXX | $3945.96 | $328.83 | $720.00 | $60.00 | $0.00 | $2033.06 | $7340.80 | N/A | XXXX | XXXX | $60.00 | XXXX | Monthly | 27.93% | 21.69% | 21.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 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 - Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 8.5 | No | 35.47 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115973 |  | 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 |  | 02/18/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.434% |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | $3130.56 | $260.88 | $0.00 | $0.00 | $0.00 | $7282.42 | $93448.95 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 11.31% | 14.80% | 14.80% | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | Yes | N/A | XXXX | 121.8 | XXXX | 121.8 | No | 77.68 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1115996 |  | 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 |  |  | 7.125% | 7.125% | XXXX | No |  | XXXX | XXXX | $656.28 | $54.69 | $0.00 | $0.00 | $0.00 | $1188.05 |  | N/A | XXXX | 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 | 1.768 | 1.515 |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 411.2 | XXXX | 411.2 | No | 37.5 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115964 |  | 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 |  | 02/18/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 9.512% |  | 8.990% | 8.990% | XXXX | No |  | XXXX | XXXX | $2897.04 | $241.42 | $1440.00 | $120.00 | $0.00 | $1826.84 | $13298.45 | N/A | XXXX | XXXX | $120.00 | XXXX | Monthly | 19.71% | 19.71% | 19.71% | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 670 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 76.2 | No | 17.28 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1116003 |  | 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 |  |  | 7.125% | 7.125% | XXXX | No |  | XXXX | XXXX | $7946.04 | $662.17 | $0.00 | $0.00 | $0.00 | $2792.10 |  | N/A | XXXX | 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,Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.146 | 1.146 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 41.9 | XXXX | 41.9 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1116001 |  | 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 |  | 02/21/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.631% |  | 7.500% | 7.500% | XXXX | No |  | XXXX | XXXX | $5487.00 | $457.25 | $2469.96 | $205.83 | $0.00 | $12168.97 | $89357.47 | N/A | XXXX | XXXX | $205.83 | XXXX | Annually | 14.27% | 14.27% | 14.27% | 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% | 50.00% |  |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 8.4 | XXXX | 8.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 1116008 |  | 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% | XXXX | No |  | XXXX | XXXX | $1230.96 | $102.58 | $0.00 | $0.00 | $0.00 | $1232.02 |  | N/A | XXXX | 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 | 1.355 | 1.355 |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 5.2 | XXXX | 45.6 | No | 60 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 1115994 |  | 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% | XXXX | No |  | XXXX | XXXX | $2112.00 | $176.00 | $0.00 | $0.00 | $0.00 | $2010.14 |  | N/A | XXXX | 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 | 1.293 | 1.293 |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 88.3 | No | 49.56 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115990 |  | 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 |  |  | 7.125% | 7.125% | XXXX | No |  | XXXX | XXXX | $1389.96 | $115.83 | $200.04 | $16.67 | $0.00 | $1947.94 |  | N/A | XXXX | XXXX | $16.67 | 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 | 1.086 | 1.086 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 32.3 | XXXX | 32.3 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115947 |  | 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 |  |  | 8.250% | 8.250% | XXXX | No |  | XXXX | XXXX | $1980.00 | $165.00 | $0.00 | $0.00 | $0.00 | $3299.48 |  | N/A | XXXX | 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 | 1.334 | 1.334 |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 128 | XXXX | 128 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 1115894 |  | 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 |  | 02/18/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.759% |  | 7.625% | 7.625% | XXXX | No |  | XXXX | XXXX | $9255.00 | $771.25 | $800.04 | $66.67 | $0.00 | $6153.39 | $9619.13 | N/A | XXXX | XXXX | $66.67 | XXXX | Annually | 46.06% | 46.06% | 46.06% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 YRS W2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 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 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, Other REO Net Rental Income(Loss) - 1 YR Executed 4506T Verified - 2025 - 2025 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - 2025 - 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 1 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 313.1 | XXXX | 313.1 | No | 50 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 1115895 |  | 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 |  |  | 7.250% | 7.250% | XXXX | No |  | XXXX | XXXX | $2483.04 | $206.92 | $720.00 | $60.00 | $0.00 | $2209.94 |  | N/A | XXXX | XXXX | $60.00 | 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 | 1.165 | 1.165 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 67 | No | 42.73 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115898 |  | 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 |  |  | 7.125% | 7.125% | XXXX | Yes | 7.125% | XXXX | XXXX | $2982.96 | $248.58 | $0.00 | $0.00 | $0.00 | $4423.00 |  | N/A | XXXX | 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 | 1.357 | 1.357 |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 7.3 | XXXX | 7.7 | No | 74.64 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115988 |  | 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% | XXXX | No |  | XXXX | XXXX | $643.56 | $53.63 | $408.00 | $34.00 | $0.00 | $1982.33 |  | N/A | XXXX | XXXX | $34.00 | 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 | 1.059 | 1.059 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 18.9 | XXXX | 18.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1115933 |  | 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 |  |  | 6.990% | 6.990% | XXXX | Yes | 6.990% | XXXX | XXXX | $1949.04 | $162.42 | $975.00 | $81.25 | $0.00 | $2722.13 |  | N/A | XXXX | XXXX | $81.25 | 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% |  |  | Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.249 | 1.249 |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-151 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 109.5 | XXXX | 109.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1115900 |  | 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 |  |  | 8.250% | 7.990% | XXXX | Yes | 8.250% | XXXX | XXXX | $2480.04 | $206.67 | $180.00 | $15.00 | $0.00 | $3683.31 |  | N/A | XXXX | XXXX | $15.00 | 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 | 1.222 | 1.222 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 43.5 | No | 69.57 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |

---

## Exhibit 99.5

[HOMES 2025-NQM4 TRUST ABS-15G](nqm4-abs15g_073125.htm)

**Exhibit 99.5 - Schedule 5**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 1116010 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1116010 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 1115944 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 1115944 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115944 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 1115944 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 1115944 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 1116012 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 1115908 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115908 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 1115904 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 1115960 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1115960 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115956 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1115923 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115902 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1115916 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1115916 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 1115916 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115919 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115917 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1115917 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115918 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1115918 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 1115918 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115955 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1115930 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1115929 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1115952 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 1115952 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 1115999 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115999 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 1115966 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1115983 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1115983 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115931 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 1116009 |  |  | XXXX | XXXX | deedOfTrustPage | XXXX | XXXX | XXXX |
| 1115997 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115940 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115968 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115961 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 1115976 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 1115991 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 1115991 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115932 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115932 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115935 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1115992 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1115953 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 1115953 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115953 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 1115986 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 1115937 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115907 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115981 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 1115998 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115998 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 1115970 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 1115996 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 1115994 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
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